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What Is the Health Insurance Marketplace?

Health & Wellness  (tags: ACA, enrollment, information, health care, medical )

- 1790 days ago -
The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.

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Kit B (276)
Wednesday July 24, 2013, 6:27 am
ACA - image credit from planned parenthood

The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.

When you use the Health Insurance Marketplace, you'll fill out an application and find out if you can get lower costs on your monthly premiums for private insurance plans. You'll find out if you qualify for lower out-of-pocket costs.

The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children's Health Insurance Program (CHIP).

Open enrollment starts October 1, 2013. Plans and prices will be available then. Coverage starts as soon as January 1, 2014.

The Health Insurance Marketplace is sometimes known as the health insurance "exchange."

Compare options in the Health Insurance Marketplace

Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can't charge women more than men for the same plan.

Learn about the Marketplace in your state

While all insurance plans are offered by private companies, the Marketplace is run by either your state or the federal government. Find out if your state is operating the Marketplace by using the menu at the bottom of this page. If your state runs the Marketplace, you'll get health coverage through your state’s website, not this one.

The Marketplace simplifies getting health coverage

The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, quality, and other features important to you before you make a choice. You can also get help online, by phone, by chat, or in person. Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)

Find a plan that fits your needs and budget

In the Marketplace information about prices and benefits, available October 1, 2013, will be written in simple language. You get a clear picture of what premiums you'd pay and what benefits and protections you'd get before you enroll. Compare plans based on what's important to you, and choose the combination of price and coverage that fits your needs and budget.

 Get State Information ---

Please go to Visit Site for personal and individual information - Use the interactive device for your state.


JL A (281)
Wednesday July 24, 2013, 7:57 am
Excellent factual information. In NY people discovered their premiums went down by at least 50% with this part of ACA.

SuSanne P (193)
Wednesday July 24, 2013, 9:05 am
Thank you Kit. I will definitely look into this especially since my medical bills ate every dime I had last year.

pam w (139)
Wednesday July 24, 2013, 10:17 am
THIS is the kind of information people should review before spitting all over the new health care system!

Kit B (276)
Wednesday July 24, 2013, 11:42 am

Yes, people should look into this, Pam and few will.

Robert B (60)
Wednesday July 24, 2013, 11:55 am
It will be better than what we've had before. I still wish we could transition to Universal Healthcare. One big problem is the price gouging by Big Pharma and Medical equipment Mfg. companies.

Kit B (276)
Wednesday July 24, 2013, 11:58 am

It will be somewhat better but as you say, Robert many areas not regulated will continue to price gouge people that are sick.

Barbara K (60)
Wednesday July 24, 2013, 4:00 pm
Thank you, my friend, for getting this info out there. It is astounding how little people actually know about the ACA, especially when they can go online and find out about it. I saw on the news today that the Republicans have a scheme planned for their August break to invite people to their Town Hall Meetings and then make up a bunch of lies about how bad the ACA is. They even have faked literature and brochures printed up. It is so disgusting that while WE pay for their Health Care, they want to deny Health Care to us. What a bunch of lying jerks they are. I hope people wake up and vote them out next election before they finish the destruction of the country and her people. It is very important to vote in the Primaries too. We need to use it or lose it (the right to vote).

Elisa F (235)
Wednesday July 24, 2013, 6:25 pm
Noted. Thank you, Kit. Great Resource! I bookmarked it & will share :)

Sheila D (194)
Wednesday July 24, 2013, 7:22 pm
I have the good fortune to live in MN where there are a few alternatives for poor people, especially seniors. Thank you for the info, maybe I can get my mother to sign up for something. She won't sign up for Part D or any other health program because FOX News and Glen Beck said seniors are better off...Right.

PrimaAWAY B (1278)
Wednesday July 24, 2013, 7:35 pm
I appreciate this post. I will send it back to myself. I'm going to need all the help I can find because the 2 major insurance companies we have ,don't know what they are talking about ever.

Past Member (0)
Wednesday July 24, 2013, 11:50 pm
It sounds like a good plan. But still there is long way to free medical care...

Gloria p (304)
Thursday July 25, 2013, 4:20 am
I entered my state in the form and clicked. Voila I got a bunch of BS that told me to sign up for spam emails.

Kit B (276)
Thursday July 25, 2013, 4:32 am

You might call Gloria - Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week.

Patricia H. (440)
Thursday July 25, 2013, 5:52 am

Giana Peranio-paz (398)
Thursday July 25, 2013, 8:20 am
We have great health insurance in Israel, among other things, we do need some compensation for our dire situation, no?

Sandi C (98)
Thursday July 25, 2013, 8:34 am
I need to check this out. Thanks Kit.

Thursday July 25, 2013, 8:54 am
Entered my state (CA) and got an estimate of what my coverage would cost under the ACA. It was a savings of about $150/mo. Considering that my rates have gone up 3 times in the past two years with my HMO, I am celebrating!

Kit B (276)
Thursday July 25, 2013, 8:56 am

Excellent news Judy - thanks for sharing, every dime of savings helps.

Birgit W (160)
Thursday July 25, 2013, 2:20 pm

Jaime Alves (52)
Thursday July 25, 2013, 2:47 pm

Lois Jordan (63)
Thursday July 25, 2013, 3:01 pm
Thanks for the info, Kit. I've got a couple young adult kids who "aged out" of our employer-subsidized policy and are in great need. I just hope they can wait until it starts. Unfortunately one of them who mostly is "living on the streets" just goes to the E.R. when he gets sick. He has no job, and no way to pay these bills. This is what the ACA was suppose to be taking care keep people out of E.R. visits, which are driving up the hospital rates for everyone else. I still have a very bitter taste in my mouth that we didn't get MEDICARE FOR ALL.

Janet R (38)
Thursday July 25, 2013, 3:04 pm
Thanks Kit, good info.

Past Member (0)
Thursday July 25, 2013, 8:18 pm

Kit B (276)
Friday July 26, 2013, 5:08 pm

I hear that Lois. You are not alone, many of us taste that bitter pill.

Sharon Davidson (371)
Saturday July 27, 2013, 6:46 am
health ins is definetly neede in this day and age medical cost are outragous.thanks
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