Marketplace Health Plans for Individuals & Families

Explore individual and family Marketplace health plans, understand your options, and learn how to get the coverage that fits your needs.

Learn More About Marketplace Plans

Your Guide to Marketplace Health Plans

Health coverage for individuals and families is available year-round for certain life events, and during open enrollment periods. These plans are designed for adults under 65, families, self-employed workers, and anyone transitioning from other coverage options.

Who is Eligible for Marketplace Health Plans?

  • Adults under 65
  • Families needing coverage
  • Self-employed or gig workers
  • People losing employer coverage

When Can you Enroll in Marketplace Health Plans?

  • Open Enrollment: November 1 – January 15
  • Special Enrollment Periods: qualifying life events like marriage, job loss, or moving
  • Can be mid-year if life event occurs

Explore Marketplace Health Coverage Topics

Navigating health insurance can be confusing. Explore these key topics to find answers for your situation and make informed decisions.

Marketplace Special Enrollment Periods & Life Events

  • What counts as a “life event” for special enrollment?
  • How to save money on health insurance if you’re self-employed
  • Insurance options during a divorce or separation

Costs & Coverage for Marketplace Plans

  • Marketplace plans explained for people who hate insurance
  • Why your health insurance got more expensive this year
  • Is COBRA worth it, or are there better options?

Getting Started with Marketplace Health Coverage

  • Kicked off your parents’ insurance? Here’s what to do
  • Lost health insurance after leaving a job — now what?
  • Can you get health insurance without a job?

Is Marketplace not what your looking for?

Wondering how Marketplace coverage works if you’re nearing retirement? See our Medicare resources.
Interested in protecting your family beyond health coverage? Learn more about life insurance options.

Frequently Asked Questions

How do I know if I can sign up for a health plan outside of open enrollment?

If you’ve had a major life change — like getting married, losing a job, or moving to a new state — you may qualify for a Special Enrollment Period. This lets you sign up even when open enrollment isn’t happening.

Am I eligible for Marketplace health insurance?

If you’re under 65 and need coverage for yourself or your family — including self-employed workers or people leaving employer coverage — you can shop for a Marketplace plan.

When exactly can I enroll in an Marketplace plan?

Open Enrollment runs every year from November 1 to January 15. Outside that, only certain life events trigger a Special Enrollment Period.

How do Marketplace subsidies actually work?

Subsidies help lower your monthly premium based on household size and income, making coverage more affordable if you meet the requirements.

I’m self-employed — do Marketplace plans work for me?

Absolutely! Self-employed workers and freelancers can enroll just like anyone else, comparing plans to find the best fit for their needs.

What counts as a “life event” that lets me enroll mid-year?

Common life events include losing your health coverage, getting married, having a baby, or moving to a new state. Each event gives you a window to sign up outside Open Enrollment.

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