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How to Apply for Marketplace Coverage


You can apply for health coverage in the Marketplace 4 ways: with a paper application, online, by phone, or in person with an assister.

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Apply with a paper application

You can fill out a paper application and mail it in. You’ll find out whether you’re eligible for lower costs on private insurance, Medicaid, or the Children’s Health Insurance Program (CHIP).

Once you get your eligibility notice, you can either go online to compare, choose, and enroll in a plan or contact our call center. A customer service representative will help you.

If you or someone on your application is eligible for Medicaid or CHIP, a representative will contact you to enroll.

To get a paper application, download the application form and instructions.

Apply online in 4 steps:

When you apply online, you’ll follow a 4-step process:

Before you begin, it may help to have this information ready:

  • Social Security number (SSN)
  • Document number (if you’re an eligible immigrant who wants health coverage)
  • Birth date
  • Paystubs, W-2 forms, or other information about your income
  • Policy/member numbers for any current health coverage
  • Information about any health coverage from a job that’s available to you or your family  
  1. Set up an account. Start by going to the Marketplace page. First you'll provide some basic information. Then choose a user name, password, and security questions for added protection.
  2. Fill out the online application. You'll provide information about you and your family, like income, household members, current health coverage information, and more. This will help the Marketplace find options that meet your needs. Important: If your household files more than one tax return, call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) before you start an application. This is a very important step. Please don’t skip it. Representatives can provide directions to make sure your application is processed correctly. 
  3. Compare your options. You'll be able to see all the options you qualify for, including private insurance plans and free and low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP) (i.e., MI Child). The Marketplace will tell you if you qualify for lower costs on your monthly premiums and out-of-pocket costs on private insurance. You’ll see details on costs and benefits to help you choose a plan that’s right for you.
  4. Enroll. After you choose a plan, you can enroll online and decide how you pay your premiums to your insurance company. You must pay your premium by the date the insurer provides before your coverage can begin. Payments must be received by December 15, 2016 to assure that you are covered for 2017. If you or a member of your family qualifies for Medicaid or CHIP, a representative will contact you to enroll.

Learn what you can do to get ready to enroll. If you run a small business, here’s what you can do to get ready to offer coverage for your employees in the SHOP Marketplace.

If you have any questions, there’s plenty of live and online help along the way.

Apply by phone or with an in-person assister

  • To apply by phone, call 1-800-318-2596, 24 hours a day, 7 days a week (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process.
     

Find in-person help

In all states, there are people trained and certified to help you understand your health coverage options and enroll in a Marketplace plan. They’re known by different names, depending on who provides the service and where they’re located. All can provide the help you need with your application and choices.

Or you can visit LocalHelp.HealthCare.gov to find help in your area. You can search by city and state or zip code to see a list of local organizations with contact information, office hours, and types of help offered, such as non-English language support, Medicaid or MI Child enrollment, and Small Business Health Options Program (SHOP).