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FAQs: Health Insurance Marketplace and the ACA

Marketplace Basics

Back to FAQs: Health Insurance Marketplace and the ACA

21 items

I’m uninsured. Am I required to get health insurance?

I notice “short-term limited-duration” insurance plans for sale outside of the Marketplace, and they are cheaper than many other health plans. What is a short-term limited-duration health plan?

I am having trouble setting up a Marketplace account online. The Marketplace website says that it cannot verify my identity. What should I do now?

What kinds of health insurance plans do private enrollment websites sell?

Do I have to enroll in coverage using HealthCare.gov, or can I apply for Marketplace plans and subsidies on websites run by private companies that sell Marketplace plans?

How can I protect my personal information while enrolling in Marketplace coverage through a non-Marketplace website?

Does being lesbian, gay, bisexual, or transgender (LGBT) affect my health insurance coverage and options? What if I am married to my same-sex partner?

Do Marketplace plans cover gender-affirming care? What changes have there been to coverage requirements?

Can I buy health insurance outside of the Marketplace that meets all ACA consumer protection standards?

I was denied coverage for a health service/prescription drug that my doctor said I need. How do I appeal the decision?

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.