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Now that you're enrolled in a health plan for 2021, you probably have questions about how to get the most out of your new coverage. We’re here to help, even after you enroll.

Does my new plan cover my prescriptions?

Your plan will help pay the cost of certain prescriptions. You may be able to buy other medications, but those on your plan’s list of covered drugs (formulary) will usually be less expensive. Visit your insurance company’s website (or call them directly), and review your Summary of Benefits and Coverage for a list of covered drugs.

How can I find a doctor in my plan?

Most health plans give you the best deal on services when you see a doctor who has a contract with your health plan. While you may be able to see doctors who don’t contract with your plan, visiting an "in-network" provider usually means you’ll have lower out-of-pocket costs. Learn how to find a doctor in your plan.

How can I use my new coverage to improve my health?

Now that you have health coverage, learn what you can do to stay healthy and get the care you need by reading From Coverage to Care: Roadmap to Better Care and a Healthier You (PDF, 698 KB). Here you’ll find tips on how to make and prepare for an appointment.

Learn more about using your new Marketplace insurance.

To activate your 2021 health insurance plan, pay your first premium directly to the insurance company (not the Marketplace). Your coverage won’t start until you make payment, so follow their instructions carefully. You may be able to pay online at HealthCare.gov.

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How to pay your monthly premiums

• Follow these instructions to pay online.
• If your health insurance company doesn't accept online payment, they should have contacted you with next steps. Reach out to them if they haven’t.
• If you aren’t sure you're enrolled, find out if your health insurance is active by checking your online Marketplace account.
• If you think you're enrolled but have questions about your plan, check your plan materials.

Learn more about completing your enrollment by paying your premium.

The deadline for 2021 Marketplace insurance that starts January 1 has passed. If you missed it, you may still be able to get or change 2021 coverage 2 ways: with a Special Enrollment Period or through Medicaid or the Children's Health Insurance Program (CHIP).

Through a Special Enrollment Period

• If you experience certain types of life events, like losing health coverage, getting married, or having a baby, you may qualify for a Special Enrollment Period to enroll in a Marketplace plan for 2021. See the full list of life changes that may qualify.
• You can also answer a few questions about your situation to see if you can still enroll or change for 2021.

Through Medicaid or CHIP

• Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
• If you qualify, you can enroll right away. Select the second button, and answer a few questions to see if these options may be available to you.

This is the last call for 2021 Marketplace insurance that meets your needs and budget! Open Enrollment for 2021 Marketplace health plans ends Tuesday, December 15. There are just 5 days left to enroll in, re-enroll in, or change 2021 Marketplace coverage that starts January 1.

Don’t delay: Apply & enroll for 2021

• New to HealthCare.gov? Create an account to fill out an application for the first time.
• Have 2020 Marketplace coverage? Log in to update your application, and compare plans and enroll for 2021. If you don’t, you could miss out on new plans, and your savings could be incorrect. This means you could end up paying more for your monthly premium or owing money on your federal taxes.

Enrollment resources

• Consider these things before choosing a plan.
• Get tips and troubleshooting application assistance, like if you need help logging in or forgot your password.
• See the different ways to get help completing your application.

You have 2 weeks to enroll in Marketplace health insurance for 2021. If you enrolled for 2020, you have until December 15 to change or update your plan for 2021. If you don’t take action you may be automatically enrolled for 2021, but may miss out on new options.

How to update & compare for 2021

• Even if you want to keep the same plan for 2021, log in and update your application with any expected income and household changes for the year ahead. There may be new plans that better fit your situation.
• Updating your information will also make sure your 2021 financial help is correct. Otherwise, you could wind up paying more for your monthly premium or owing money when you file your federal income taxes.
• Once your information is updated, compare your current plan with other available options for 2021. These steps can help you be confident you have the right coverage for your household next year.

Learn more about changing and renewing coverage for 2021.

This holiday season, gift yourself the peace of mind that comes with having health coverage. You have until Tuesday, December 15, 2020 to enroll in or change health insurance for 2021.

Putting your health first in 2021

• Get your recommended health screenings. You can use your Marketplace health coverage when you’re sick and when you’re well to help you live a healthy life.
• All Marketplace plans cover a set of preventive services, like shots and screening tests, at no cost to you when delivered by a doctor in your plan’s network.
• Marketplace plans also cover 10 essential health benefits, including emergency services; pregnancy, maternity and newborn care; and prescription drugs. See the full list of what Marketplace plans cover.

Apply & enroll for 2021 today

• New to HealthCare.gov? Create an account to fill out an application for the first time.
• Have 2020 Marketplace coverage? Log in to update your application, and compare plans and enroll for 2021.

Important: 2021 Open Enrollment ends Tuesday, December 15, 2020! You have less than one month to enroll in or change Marketplace health insurance for coverage that starts January 1, 2021. If you miss the deadline, you can only enroll in or change your health plan for 2021 if you qualify for a Special Enrollment Period.

Don’t delay: Start an application

• New to HealthCare.gov? Create an account to fill out an application for the first time.
• Have 2020 Marketplace coverage? Log in to update your application, and compare plans and enroll for 2021.

Need help before you apply?

• Find quick answers to your most common enrollment questions.
• Get help filling out your application: By phone, with an assister, or with an agent/broker.
• Use this checklist (PDF, 160 MB) to gather the documents you'll need to apply. Doing so beforehand will make the application process easier.

Open Enrollment for 2021 health insurance ends Tuesday, December 15, 2020. Before you apply, you can get an idea of what your costs may be by answering a few quick questions. The results may surprise you!

3 easy steps to see if you’ll save on 2021 Marketplace coverage

See if your income is in the range to save by telling us:

• The number of people in your household, even if they don’t need health coverage
• Your state
• Your 2021 household income estimate (use this calculator for help)

Note: This is just an estimate. You’ll learn your exact savings when you fill out an application.

Apply for exact savings

• New to HealthCare.gov? Create an account to fill out an application for the first time.
• Have 2020 Marketplace coverage? Log in to update your application, and compare plans for 2021.

You have until Tuesday, December 15, 2020 to enroll in or change 2021 Marketplace health coverage that starts January 1, 2021. Enrolling at HealthCare.gov may be easier than you think. Here are 3 reasons to enroll today.

Why enroll in or change 2021 health insurance

• You may be eligible for savings that lower your out-of-pocket costs. Enter your household information to see if your income is in the range to save. You’ll see exact savings and plan prices when you apply.
• With one application, you’ll see if you’re eligible for free or low-cost health coverage through Medicaid and the Children’s Health Insurance Program (CHIP). We’ll review your application, and if anyone in your household may be eligible, we’ll send your information to your state agency. They’ll contact you about enrolling.
• Nobody plans to get sick or hurt, but illness and accidents happen even to healthy people. Health coverage can help protect you from unexpected medical debt.

Get started & apply

• New to HealthCare.gov? Create an account to fill out an application for the first time.
• Have 2020 Marketplace coverage? Log in to update your application, and compare plans for 2021. New plans with better prices may be available.

The 2021 Health Insurance Marketplace® is open for business! You have until December 15 to apply for new 2021 health insurance, or renew, change, or update your 2020 health plan for 2021. Coverage starts January 1, 2021.

Important: If you miss the deadline, the only way you’ll be eligible to enroll in or change your health plan for 2021 is if you qualify for a Special Enrollment Period.

How to start or update an application online

• If you’re new to HealthCare.gov, create an account.
• If you already have an account, just log in to start or update an application.
• If you have questions or need help with your application, you can connect with someone on the phone. Call Center Representatives are available most days (except certain holidays) to support your enrollment needs.

See other ways to apply.