Some consumers with little or no credit history, such as young adults or recent immigrants may have difficulty setting up accounts on healthcare.gov.  That is because the federal Marketplace uses real-time identity proofing techniques to protect consumers from unauthorized access to their personal information and to prevent fraud. 

First, you should check to make sure you have entered all information requested in order to create an account, including information labeled as optional. If this does not work to verify your identity you may need to submit documents to the Marketplace to verify you identify. Information at this link provides information about how to do this for healthcare.gov.  For more information or assistance contact the Marketplace call center.

ID proofing in state-run Marketplaces may operate somewhat differently. Contact your state Marketplace call center or a state Marketplace navigator for more information.