Health Insurance Marketplace phone number: 800-318-2596

The Health Insurance Marketplace or Health Exchange is a platform where citizens can sign up for health coverage with private insurers under advantageous conditions.

It was created by the Patient Protection and Affordable Care Act (Obamacare) to facilitate access to health services for low-income families.

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In this article you can learn all the information, Health Insurance Marketplace phone numbers, requirements and enrollment periods.

Health Insurance Marketplace Phone Number

The phone number for the Health Insurance Marketplace in the United States is: 800-318-2596

This phone number is available 24 hours a day, 7 days a week for you to contact whenever you want.

In addition, you have the option to request that a local agent contact you by phone or go directly to an assistant or broker near you. To do so, you can find a local help search engine on the healthcare.gov website.

Health Insurance Marketplace phone numbers in each state

Although there is one marketplace at the federal level for the entire country, there are states that have implemented their own Health Exchanges, under the same rules, but with their own management, infrastructure and contact information.

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Thus, the following states offer their own Health Insurance Marketplaces. Here are their contact telephone numbers and websites:

Deadline to enroll in the Health Insurance Marketplace

At the beginning of each year, and even before the end of the previous year, there is an open enrollment period for anyone who wants to sign up for the Health Insurance Marketplace, either their state or the federal marketplace.

In the state-specific Marketplaces, the deadline is usually similar to the rest, although the dates may vary.

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Likewise, there are specific cases that may cause you not to be able to register in time for the open deadline. In these circumstances you can access a Special Enrollment Period and have more time to apply.

Special Registration Period

To qualify for a longer period, which will allow you to register from 60 days before the start of the open period and up to 60 days after its expiration, you must meet one of the following requirements:

• If there has been a change in your household in the last 60 days, such as you have been married or divorced, had a child or adopted a child, or a member has died.
• If there has been a change of residence, either permanently or temporarily, for work or study.
• If you have lost qualified coverage in the last 60 days or a member of the family unit is going to lose it in the next 60 days.

How to apply for the Health Insurance Marketplace

To enroll in the Health Insurance Marketplace, if you do not already have an account created, you will need to follow the steps below:

1. Create an account on the Health Insurance Marketplace website. You can do this from the federal platform's website or from your own state's, although the federal one will redirect you to your state's, if it exists.
2. Gather all the information you need to apply:
   • About your family unit: information on members who will receive coverage and those who will not (spouse, children, and other tax dependents).
   • Social Security number of all members to be included in the health insurance.
   • Immigration documents if applicable.
   • Tax return information.
   • Income information: wages, unemployment benefits, rental income, retirement or disability pensions, etc.
   • Information on other health insurance policies held by family members, such as Medicare, Medicaid, CHIP or private policies.
   • Basic information about the employers of the members to be covered and who are working.
3. Submit the application to see if you qualify for an Insurance Marketplace health plan, a low-cost Medicaid policy, or Children's Health Insurance Program (CHIP).
4. If you qualify for a Health Insurance plan you will get a list of the policies you can sign up for, with all the details of coverage, prices and deductibles. All that remains is for you to compare and choose the plan you prefer to sign up for.

What is covered by the Health Insurance Marketplace policies?

The coverages offered by the insurance plans offered in the Marketplace may vary from plan to plan, from insurer to insurer and from state to state, but all of them must guarantee that they offer the following services:

Español: Teléfono del Mercado de Seguros Médicos