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Understanding Health Insurance

These resources are for anyone shopping (or helping someone shop) for health coverage within the health insurance marketplaces created through the Affordable Care Act (also known as the ACA or Obamacare).

For coverage in 2019, open enrollment began Thursday, November 1, 2018 and ended on Saturday, December 15, 2018 in states. Some state-run Marketplaces hold longer open enrollment periods.

Find Answers to 300 FAQs About Health Coverage

What is the health insurance marketplace? Am I required to buy health insurance? Get detailed answers to these and many more of your questions about the Affordable Care Act’s marketplaces.

Health Insurance Marketplace Calculator

Use this tool to estimate what your premiums and tax credits for 2019 Affordable Care Act marketplace coverage could be based on your zip code, income, family size and age.

Video: Improve Your Health Insurance Literacy

In this animated video, the YouToons break down important insurance concepts, such as premiums, deductibles and provider networks.

ACA Open Enrollment: For Consumers Considering Short-Term Policies...

A short fact sheet provides information about short-term health insurance policies and how they differ from ACA-compliant plans.

ACA Open Enrollment: If You Are Low-Income...

A short fact sheet outlines possible coverage options, including Medicaid and ACA marketplace plans.

ACA Open Enrollment: If You Buy Coverage in the Individual Market...

A short fact sheet provides information about 2018 ACA open enrollment and basics on marketplace plans.

Health Coverage, HIV & You

People with HIV cannot be denied or charged more for health insurance. Explore coverage options in your state and learn more about paying for PrEP in the ACA marketplace.