Prepare household and income information

Marketplace savings use the coverage household and a projection of annual income, not simply last month’s income. Self-employed households should use a reasonable estimate and report changes when circumstances shift.

  • Household members and tax relationships
  • Expected wages and net self-employment income
  • Other income the application requests
  • Access to job-based coverage

Compare how care is covered

Check the network for each exact plan, enter prescriptions, and compare deductibles, copays, coinsurance, and the out-of-pocket maximum. A lower premium may come with a narrower network or more cost sharing.

Know when enrollment is available

People generally enroll during annual Open Enrollment or after a qualifying life event that creates a Special Enrollment Period. Deadlines and documentation requirements apply.

Update the Marketplace when life changes

Income, household, address, marriage, birth, and access to other coverage can affect eligibility. Prompt updates can help reduce surprises when reconciling advance premium tax credits on a federal tax return.

Official sources and next steps

Use current official information and plan documents for final decisions.