Marketplace Health Insurance
Enrolling in health insurance is a proactive way to take the first step towards better health and well-being. With the help of a trained individual, you can receive free support in finding a plan that fits you and your needs through the health insurance Marketplace.
The annual open enrollment period is November 1 – January 15. If you qualify for a special enrollment period (SEP) because of a life change like getting married, having a baby, losing other coverage, or moving, you may apply for coverage outside of open enrollment.
What is Health Insurance?
Health insurance is a contract between you and an insurance company. You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
All plans offered in the Marketplace cover these 10 essential health benefits:
- Ambulatory patient services (outpatient care you get without being admitted to a hospital)
- Emergency services
- Hospitalization (like surgery and overnight stays)
- Pregnancy, maternity and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision care aren’t essential health benefits)