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The Health Insurance Marketplace

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 federal 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. 

Health care insurance purchased during 2014

If you purchased health care insurance through the Marketplace for 2014, you should receive a Form 1095-A by the end of January, 2015. The information shown on Form 1095-A will help you complete your 2014 federal individual income tax return. Among other things, it reports health insurance premiums you paid to the insurance company you located 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 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 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.  The IRS will not be able to answers questions about the information on your Form 1095-A or about missing or lost forms.

Marketplace Contact Information for 2014 Health Coverage

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

 

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 runs from Nov. 15, 2014, through Feb. 15, 2015. Contact the Marketplace at HealthCare.gov to enroll.

If you enroll in insurance coverage for 2015 through the Marketplace, you should report 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.


El Mercado de Seguros Médicos

El periodo de matrícula abierta para comprar cobertura de seguro médico para el 2015 a través del Mercado de Seguros Médicos comienza el 15 de noviembre de 2014, y dura hasta el 15 de febrero de 2015.

El Mercado es el lugar en donde usted puede encontrar opciones de cobertura de seguro médico y registrarse para la cobertura que se ajusta a su presupuesto y cubre sus necesidades. Visite su Mercado para hallar información acerca de:

  • opciones de seguro médico,
  • cómo comprar cobertura, y
  • cómo obtener ayuda financiera para el costo del seguro.

Visite el sitio Web de Departamento de Salud y Servicios Humanos en CuidadoDeSalud.gov para más información acerca de opciones de cobertura, ayuda financiera y para registrarse para obtener cobertura a través del Mercado.

Si usted obtiene cobertura de seguro médico a través del Mercado, usted pudiera reducir su prima mensual a través de un pago por adelantado del crédito tributario de prima. Este crédito es para aquellas personas cuya cantidad de ingresos del hogar son entre una y cuatro veces la línea federal de pobreza. Para más información acerca del crédito tributario de Primas y otras disposiciones de la Ley de Cuidado de Salud a Bajo Precio haga clic aquí.

 

Page Last Reviewed or Updated: 25-Nov-2014