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The Health Insurance Marketplace

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The Health Insurance Marketplace — also known as the Health Insurance Exchange — is the place where people without health care insurance can find information about health insurance options and also purchase health care insurance. Information can also be found regarding eligibility for help with paying premiums and reducing out-of-pocket costs.

In addition to the federally-facilitated Marketplace, HealthCare.gov, there are also state-based Marketplaces. Whether you use the federally-facilitated Marketplace or a state-based Marketplace depends on the state in which you live. If you visit HealthCare.gov, you will be asked to provide your ZIP code. If you live in area served by a state-based Marketplace, you’ll then be redirected to your state-based Marketplace’s website. 

See the chart below for information on how to contact the federally facilitated and state based marketplaces.

Health care insurance purchased during 2014

If you purchased health care insurance through the Marketplace for 2014, you should receive a Form 1095-A, Health Insurance Marketplace Statement. The information shown on Form 1095-A will help you complete your 2014 federal individual income tax return. Among other things, it reports the total monthly health insurance premiums paid to the insurance company you selected through the Marketplace. It will also list the amount of premium assistance you received in the form of advance payments of the premium tax credit that were paid directly to your insurance company. If you received a Form 1095-A with incorrect information, see our Incorrect Forms 1095-A and the Premium Tax Credit questions and answers to find out how it affects your taxes.

If you chose to have advance payments of the premium tax credit paid directly to your insurance company in 2014, you must file a 2014 federal income tax return. You are required to reconcile — or compare — these payments to the premium tax credit you’ll compute for your 2014 tax return. Even if you did not choose to receive advance payments, you must file a 2014 federal income tax return to claim the premium tax credit.

If you purchased coverage through the federally facilitated Marketplace and you set-up a HealthCare.gov account, you can get a copy of Form 1095-A, Health Insurance Marketplace Statement online from your account.  If you do not have an account set up, set one up to get a copy. If you purchased coverage through a state-based Marketplace, you may be able to get an electronic copy of Form 1095-A from your state-based Marketplace account. Visit your Marketplace’s website to find out the steps you need to follow to get a copy of your 1095-A online.  You can use either the information from your online account, if it is available, or the Form 1095-A that is mailed to you to complete your tax return.

If you have a question about the information shown on your Form 1095-A for 2014, or about receiving Form 1095-A for 2014, contact your Marketplace as shown in the table below or visit HealthCare.gov/taxes

Marketplace Contact Information 

State

Marketplace Name

and  Web Site

Telephone number

TTY Number

All States not listed below

HealthCare.gov

1-800-318-2596

TTY: 1-855-889-4325

California

Covered California

1-800-300-1506

TTY: 1-888-889-4500

Colorado

Connect for Health Colorado

1-855-752-6749

TTY: 1-855-346-3432

Connecticut

Access Health CT

1-855-805-4325

TTY: 1-855-789-2428

District of Columbia

DC Health Link

1-855-532-5465

TTY: 711-1-532-5465

Hawaii

Hawai’i Health Connector

1-877-628-5076

TTY: 1-855-585-8604

Kentucky

KYnect

1-855-459-6328

TTY: 1-855-326-4654

Maryland

Maryland Health Connection

1-855-642-8572

TTY: 1-855-642-8573

Massachusetts

Massachusetts Health Connector

1-877-623-6765

TTY: 1-877-623-7773

Minnesota

MNsure

1-855-366-7873

TTY: 1-800-627-3529

Nevada

Nevada Health Link

1-855-768-5465

TTY: 1-855-853-8100

New York

NY State of Health

1-855-355-5777

TTY: 1-800-662-1220

Oregon

Cover Oregon

1-855-268-3767

TTY: 1-800-735-2900

Rhode Island

Health Source RI

1-855-840-4774

TTY: 1-888-657-3173

Vermont

Vermont Health Connect

1-855-899-9600

TTY: 1-888-834-7898

Washington

Washington Health Benefit Exchange

1-855-923-4633

TTY: 1-855-627-9604

 

Visit Health Insurance Marketplace Statements for more information about Form 1095-A.
 

Health care insurance for 2015

Each year the Health Insurance Marketplace has an open enrollment period. The open enrollment period to purchase health care insurance for 2015 closed on Feb. 15, 2015.  However, the federally-facilitated Marketplace has announced special enrollment period from March 15 through April 30, 2015. 

The special enrollment period is for individuals and families in states that use the federally-facilitated Marketplace who did not have health coverage in 2014 and are subject to the shared responsibility payment when they file their 2014 taxes. Additional criteria apply.  This special enrollment period will allow individuals and families who were unaware of or didn’t understand the implications of this new requirement to enroll in health insurance coverage through the FFM. Full details about the special enrollment period are on the HealthCare.gov website.

Some state-based marketplaces have established similar special enrollment period; contact your state’s marketplace for more information.

If you enroll in insurance coverage for 2015 through the Marketplace, you should report any future changes in your circumstances — like changes to your household income or family size — to the Marketplace when they happen. Changes in circumstances may affect your advance payments of the premium tax credit. When you report a change in circumstances, you may become eligible for a special enrollment period, which allows you to purchase health care insurance through the Marketplace outside of the open enrollment period. Visit the Marketplace at HealthCare.gov for more information about reporting changes in circumstances and special enrollment.

Find out more about the Premium Tax Credit and other tax provisions of the Affordable Care Act at IRS.gov/ACA.

Small Business Health Options Program (SHOP) Marketplace

The Small Business Health Options Program (SHOP) Marketplace helps small businesses provide health coverage to their employees. The SHOP Marketplace is open to employers with 50 or fewer full-time equivalent employees (FTEs). This includes non-profit organizations. The SHOP Marketplace allows you to offer health and dental coverage that meets the needs of your business and your employees. SHOP offers flexibility, choice, and online application and account management. You can enroll in SHOP any time of year. There’s no restricted enrollment period when you can start offering a SHOP plan. For more information, visit HealthCare.gov.

Page Last Reviewed or Updated: 03-Apr-2015