Health Insurance Exchanges

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What Are




What Are Health Insurance Exchanges?

Health Insurance Exchanges

There's several ways to get health coverage under the new law. Health insurance exchanges are new online marketplaces operated by your state and/or federal government to compare insurance company benefit packages and prices. They'll also help you determine whether you're eligible for a government program, tax credit or financial assistance to help you pay for the coverage you choose.

Beginning on October 1, 2013 you can visit the new health insurance marketplaces (exchanges) to compare plans and prices, see if you qualify for financial assistance, and enroll in coverage.

What's open enrollment?

Open enrollment is the period of time when you're able to enroll in health insurance plans. For coverage starting on January 1, 2014, remember to enroll before mid-December 2013. The full enrollment period starts on October 1, 2013 and ends on March 31, 2014.

How do I prepare to enroll using an online marketplace?

  1. Learn the basics of how insurance works and about the different types
    of health insurance.
  2. Make a list of questions you need answered before you can choose a health plan.
  3. Gather basic information about your household income.
  4. Decide what you need and set your budget.
  5. Ask your employer if they plan to offer health insurance, especially if you work
    for a small business.