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What is the Health Insurance Marketplace?

What is the Health Insurance Marketplace?

Provides specific information about the Marketplace website and what it can help users accomplish.  It's a great starting point for the process. Click on the link above.

Marketplace Application Checklist

When you apply for coverage in the Health Insurance Marketplace, you'll need to provide some information about you and your household, including income, any insurance you currently have, and some additional items.  Use the checklist below to help you gather what you need to apply for coverage. Open enrollment starts October 1, 2013 for coverage starting as early as January 1, 2014. Open enrollment ends March 31, 2014.

  1. Social Security Numbers (or document numbers for legal immigrants)
  2. Employer and income information for every member of your household who needs coverage (for example, from pay stubs or W-2 forms- Wage and Tax Statements)
  3. Policy numbers for any current health insurance plans covering members of your household

Marketplace Health Plans

For every plan, you will pay a monthly premium and out-of-pocket expenses when you receive services. In general, the lower the premium, the higher the out-of-pocket costs when you need care; the higher the premium, the lower the out-of-pocket costs when you need care. The way you pay your portion of these costs is through deductibles and copayments or co-insurance.

The Marketplace offers four categories of plans, plus a catastrophic plan:

  • Bronze plan: You pay 40% of your costs, the plan covers 60%
  • Silver plan: You pay 30% of your costs, the plan covers 70%
  • Gold plan: You pay 20% of your costs, the plan covers 80%
  • Platinum plan: You pay 10% of your costs, the plan covers 90%
  • Catastrophic Plan: Available up to age 30