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A Quick Guide to the Health Insurance Marketplace

If you find yourself newly in need of insurance because of a change in life circumstance, like turning 26 or are changing to a job that no longer offers coverage, or if you need to make adjustments to your current health care coverage, you can visit the health insurance marketplace. Here are a few quick pointers on how the health insurance marketplace works.

1. When Can You Apply?

The health insurance marketplace is open from the first of November until the end of January. This is called the open enrollment period. If you do not enroll during the open enrollment period, you must have a special life circumstance to be eligible to enroll. Special circumstances include having a child, getting married, changing jobs or turning 26, which is the cutoff for using your parent’s health coverage.

2. How Can You Apply?

Once you take your time researching the best health insurance plan for you and your family, you can apply for coverage through the marketplace. You can apply for your chosen health insurance plan online, over the phone, in-person with help or with a mailed-in paper application.

3. How Much Does it Cost?

The cost of your plan through the health insurance marketplace depends on your income, how many dependents you have and other life factors, like whether or not you are a college student for example.

If you need insurance, it is important to do your research so you pick the best plan for your lifestyle. The marketplace lets you find and sign up for health insurance policies. If you have more questions about the marketplace, contact us at National Health Insurance Agencies, where our goal is to help you find the best coverage at the best price.