Starting November 1, you can enroll, re-enroll, or change plans through the Health Insurance Marketplace for 2016.

FYI 2016 plans and prices will be available to preview by the third week in October.

Take a few minutes to get ready now so you’ll be off to a great start when you log in as soon as November 1.

First time applying through the Health Insurance Marketplace?

• Get a quick overview with these 5 Health Insurance tips.
• Use our checklist (PDF) to gather everything you’ll need to apply.
• Learn about key dates and deadlines to make sure you’re covered January 1.

Have a 2015 Marketplace health plan?

• Learn the 5 steps to staying covered (PDF).
• Note: It’s really important to log in to HealthCare.gov as soon as November 1 and update your application with any income and household changes you expect for 2016. New health coverage plans and prices that work better for you may be available this year. Also, updating your information is the only way to make sure you get the right amount of premium tax credit. So be sure to update – even if you expect to keep the same plan.
• Learn more about why it’s important to update your income and household information and compare plans.

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If you’ve had any changes to your household income, it’s important to let the Marketplace know as soon as possible. Your new income can affect the health coverage or savings you’re eligible for.

If your taxable income goes down: You could qualify for more savings than you’re getting now. This could lower the amount you pay in monthly premiums. You could also qualify to save on out-of-pocket costs, like deductibles and copayments. Or you might qualify for free or low-cost coverage through Medicaid or CHIP coverage instead of a Marketplace insurance plan.

If your taxable income goes up: You may qualify for less savings than you’re getting now. If you don’t report the household income changes very soon, you may have to pay money back when you file your 2015 income taxes.

We’ve just improved the way you update your annual household income on your Marketplace application, so it’s easier than ever.

Just follow these steps:

• Log in to your Marketplace account and select your 2015 application
• Select "Report a life change" from the menu on the left
• Select the "Report a life change" button and update your income
• Follow the steps to verify your application information and confirm your plan selection

Important health insurance tip: You have to click all the way through to the last screen in order for your changes to take effect.

Ready to update your income? Log in now.

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With 2016 Open Enrollment starting November 1, it’s a great time to sign up for reminders and updates from the Health Insurance Marketplace about 2016 coverage.

It’s easy — just fill out a quick form to get emails, and follow us on social media. After you’re signed up, we’ll tell you about upcoming changes, deadlines, and new features. Plus, we’ll let you know as soon as 2016 health plans and prices are available to preview.

Here are 3 simple ways to stay connected:

1. Sign up for email and text reminders.
2. Follow us on Twitter.
3. Like us on Facebook.

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Wonder if you qualify for savings on health insurance?

We’ve created a quick and easy tool to help. Just enter your state and the number of people in your household.

We’ll show you which of these savings programs you qualify for, based on your income estimate:

• A premium tax credit you can use to lower your monthly premium for a Marketplace health insurance plan
• A premium tax credit for a Marketplace insurance plan plus savings on out-of-pocket health care costs (like deductibles and copayments)
• Free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP)

See if you qualify for savings

Note: The income information shown is for 2015 coverage. 2016 amounts will be available November 1.

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There are many options for health insurance for young adults. You can:

• Get covered by a parent's health insurance plan.
• Buy your own Marketplace insurance, with savings based on your income.
• Buy a catastrophic health plan — a type of insurance that has a low monthly premium but mainly protects you from worst-case scenarios.
• Get free or low-cost health coverage through Medicaid.

We know you're busy. So we’ve created an easy way to find out what applies to you. Just answer a few fast questions to get a personalized 1-page coverage guide that’ll help you make a coverage decision that's right for you.

Get your personalized health coverage guide.

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