FAQ

Consider factors such as your general health, how often you visit doctors, your current medications, and whether you prefer a lower premium with higher out-of-pocket costs or vice versa. Our tools and resources can help you compare plans based on these factors.

Yes, all health insurance plans offered on our marketplace provide coverage for pre-existing conditions. You will not be charged a higher premium based on health status.

HMO plans require you to work with a primary care physician and get referrals for specialists. PPO plans offer more flexibility with out-of-network care but often at a higher cost. EPO plans restrict coverage to network providers but do not require referrals.

Consider enrolling in a plan with a higher deductible, which typically has lower monthly premiums. Also, take advantage of any available subsidies based on your income, and explore health savings accounts (HSAs) for additional tax savings.

You can enroll or change your health insurance plan during the annual Open Enrollment Period. Special Enrollment Periods are also available if you experience a qualifying life event, such as marriage, birth, or loss of other coverage.

You will need proof of citizenship or legal residency, income verification documents, and any current health insurance information. Specific requirements can be found in our enrollment guide.

After enrolling, you will receive an insurance card that you should present at medical appointments. You will also have access to your health insurer’s customer service for any questions about coverage or benefits.

Discounts may be available depending on your income level. Subsidies to help lower the cost of health insurance are available for qualifying individuals and families.

If you are dissatisfied with your plan, you can switch during the next Open Enrollment Period or check if you qualify for a Special Enrollment Period to make changes sooner.