Tips about the Health Insurance Marketplace

Tips about the Health Insurance Marketplace

Tips about the Health Insurance Marketplace

For coverage beginning January 1, 2023, enrollment ends December 15, 2022. Open enrollment ends January 15, 2023.

Requirements to be eligible to enroll in Marketplace health coverage: live in the United States, be a U.S. citizen or national (or lawfully present), and not be incarcerated.

You are eligible for two types of coverage, depending on your income:

  • A tax-credit health plan.

  • Coverage through Medicaid/Children’s Health Insurance Program (CHIP).

All plans cover:
 
  • Outpatient ambulatory services (outpatient care you receive without being admitted to a hospital).

  • Emergency services

  • Hospitalization (such as surgery and overnight stays)

  • Pregnancy, maternity and newborn care (both before and after birth)

  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)

  • Prescription drugs

  • Rehabilitation and habilitation services and devices (services and devices to help people with injuries, disabilities, or chronic illnesses gain or regain mental and physical abilities)

  • Laboratory services

  • Pediatric services, including oral and vision care (but dental and vision coverage for adults are not essential health benefits)

  • Pre-existing conditions: Insurance companies cannot refuse to cover treatment for your pre-existing condition or charge you more.