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Congratulations graduates. As you enter your next chapter, don’t forget how important it is to have health insurance to protect you in case you get hurt or sick. Since you’re just starting out, you may qualify for savings that can make insurance less expensive.

3 health insurance options for young adults

• If you’re under 26, you may be able to enroll in a parent’s health insurance plan, if their plan covers dependents.
• If you experience certain life changes, like a move, or if your income is within a certain range, you may qualify for a Special Enrollment Period to enroll in a Marketplace health plan for the rest of 2022.
• If you’re just starting out, you may qualify for free or low-cost coverage through Medicaid and, if you’re eligible, you can enroll immediately. When your income increases, you can adjust or change your coverage.

For more on the coverage options available to you at HealthCare.gov, get a quick overview of the Health Insurance Marketplace®.

If you have Marketplace coverage and your income or household size recently changed, update your application to let the Marketplace know. These changes may impact the coverage or savings you’re eligible for, like you may qualify for more savings than you’re getting now. Act quickly so you don’t miss out.

What changes to report

• Income changes (like if you got a raise)
• Household changes (like if you had a baby or got married)
• Status changes (like a change in disability or citizenship status)

Get the full list of changes to report.

Why update your application right away

Depending on your changes, you may qualify for more or less savings. Telling us will make sure your savings are correct.

• If your income goes up or you lose a family member, you may qualify for less savings than you’re getting now.
• If your income goes down or you gain a household member, you may qualify for more savings. You could also qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

If you don’t update, you may miss out on additional savings or pay money back when you file your taxes.

How to report changes

There are 3 ways to report changes to the Marketplace:

• Update your application online
• By phone
• In-person 

We don’t accept changes by mail. Find the steps for your preferred method to update.

All Marketplace plans cover a set of preventive services to prevent illness, disease, and other health problems at no cost to you, even if you haven’t met your yearly deductible. These services are free only when you get them from a doctor or other provider in your plan’s network. Contact your health plan to see which providers are "in-network."

5 common preventive health services

Preventive services include things like screenings, tests, check-ups, and counseling. Here are 5 benefits available to adults with Marketplace coverage.

• Blood pressure screenings
• Cholesterol screenings (for certain ages and people at high risk)
• Depression screenings
• Immunizations
• Obesity screenings and counseling

See the full list for adults. Other services are also available to women and children.

Get more information on preventive care

• Take advantage of these free services to help find health problems early, when treatment is likely to work best. Talk to your provider about what’s right for you.
• Get more information on preventive and wellness services for your whole family.

The last day to file your 2021 federal income taxes is April 18, 2022 – that’s less than 2 weeks away! If anyone in your household had Marketplace health coverage in 2021, you should have received Form 1095-A, Health Insurance Marketplace® Statement. (If you didn’t get the form online or by mail, contact the Marketplace Call Center.)

How to use Form 1095-A

• If your form is correct, use it to "reconcile" your premium tax credit. If you find a mistake, contact the Call Center. We’ll send you a new, updated form. Don’t file until you have a correct form.
• To "reconcile," you’ll compare the amount of premium tax credit you used during the year with the premium tax credit you qualify for based on your final income. Any difference will affect your refund or the amount of taxes you owe.
• Get a step-by-step guide to "reconciling" your premium tax credit.

Didn’t have Marketplace coverage in 2021?

• If you got your 2021 health coverage somewhere else, like through your job or outside the Marketplace, you’ll get a different form and follow different steps.
• Choose your 2021 health coverage status for the steps and forms for your situation.

Open Enrollment for 2022 is over, but you may still qualify to enroll in or change Marketplace coverage for the rest of the year if you’ve had a recent life event. Getting married, having a baby, moving, and losing health coverage all count. (Note: These are the most common life changes; here’s the full list of qualifying life events). In addition to having a life event, you may also qualify based on your estimated household income.

Do I qualify for a Special Enrollment Period?

• Answer a few quick questions to see your coverage options.
• If you already know you qualify, create an account or log in to an existing one to enroll in or change Marketplace coverage for 2022.
• If eligible, you may be asked to submit documents to confirm your life event before you can enroll.

Does my income change make me eligible for Medicaid or CHIP?

• When you visit our screener at HealthCare.gov, we’ll also tell you if you may qualify for free or low-cost health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
• If you may be eligible, we’ll send your information to your state agency, and they’ll contact you with next steps.

Learn more about 2022 coverage options.

Attention: There’s less than one month until the April 18, 2022 tax filing deadline. If anyone in your household had a Marketplace plan in 2021, you’ll use Form 1095-A, Health Insurance Marketplace® Statement to file your federal taxes. This form came from the Marketplace, not the IRS. Make sure this form is correct, then store it with your other important tax information.

Can’t find Form 1095-A? Check online

If Form 1095-A didn’t arrive in the mail or you can’t find it, check your HealthCare.gov account:

1. Log in to your HealthCare.gov account.
2. Under "Your Existing Applications," select your 2021 application — not your 2022 application.
3. Select “Tax Forms” from the menu on the left.
4. Download all 1095-As shown on the screen.

If you still can’t find your form, contact the Marketplace Call Center.

How to use Form 1095-A

• You’ll use this form to "reconcile" — find out if there's any difference between the premium tax credit you used and the amount you qualify for – on your taxes.
• Before you start, make sure it’s right.  If you filed your taxes with an incorrect form, you may need to file an amended tax return using the correct information.

The 2021 tax filing season ends April 18, 2022. Here’s how you can get ready if you had Marketplace coverage at any point in 2021.

1. Keep Form 1095-A in a safe place 

• Your 1095-A should have arrived in the mail. It came from the Marketplace, not the IRS.
• This form includes information about Marketplace plans anyone in your household had in 2021.
• It may also be available online in your HealthCare.gov account. If you don’t have a paper copy, check your account before calling the Call Center.

2. Check that your Form 1095-A is correct

• Make sure your household and coverage information, the "second lowest cost Silver Plan", and the monthly premium are correct.
• If you find a mistake, contact the Marketplace Call Center. We’ll send you an updated copy to file.

3. "Reconcile" with your correct Form 1095-A

• Use the information from your correct Form 1095-A to complete Part II of Form 8962 (PDF, 110 KB).
• The chart on this page shows how to "reconcile".
• If there’s a difference between the amount of premium tax credit you used during the year and the premium tax credit you actually qualify for, this may affect your refund or the amount of taxes you owe.

Congratulations on getting covered for 2022. At HealthCare.gov, we’re here to help you understand how to use your new coverage. Get answers to common health insurance questions.

What prescriptions are covered by my new plan?

• Your plan will help pay the cost of certain prescriptions.
• Medications on your plan’s list of covered drugs (called a "formulary") are usually cheaper.
• Visit your plan’s website, call their Member Services, or review your Summary of Benefits and Coverage for a list of covered drugs.

How can I find a doctor in my plan?

• Most plans give you the best price on services when you see a doctor "in-network" who has a contract with the plan.
• You may be able to see doctors who don’t contract with the plan, but you may pay more.
• Learn how to find a doctor in your plan.

Where can I get tips on using my new coverage?

• Prioritize your health by learning how to stay healthy and get the care you need (PDF, 698 KB). You’ll find tips on how to make and prepare for an appointment and more.
• Learn more about using your new Marketplace insurance when you’re well and sick.

If anyone in your household had a Marketplace plan in 2021, you'll need Form 1095-A, Health Insurance Marketplace® Statement, to file your federal taxes. You should get it in the mail by early February. Keep it with your important tax information, like W-2 forms and other records.

What to do with Form 1095-A

• Before you do anything, check to make sure it's correct.
• If you already filed with an incorrect form, you may need to file an amended tax return using the information on your corrected 1095-A.
• You'll use Form 1095-A to check if there's any difference between the premium tax credit you used in 2021 and the amount you qualify for.

How to find Form 1095-A online

The Marketplace (not the IRS) mails you Form 1095-A. You can also find it online.

1. Log in to your HealthCare.gov account.
2. Under "Your Existing Applications," select your 2021 application — not your 2022 application.
3. Select "Tax Forms" from the menu on the left.
4. Download all 1095-As shown on the screen.

Still can't find it? Call the Marketplace Call Center.

If you missed the January 15 deadline for 2022 coverage, you may still be able to get or change 2022 coverage 2 ways: with a Special Enrollment Period or through Medicaid or the Children's Health Insurance Program (CHIP).

See if you qualify for a Special Enrollment Period

• If you have certain life events, like losing health coverage, moving, getting married, or having a baby, you may qualify for a Special Enrollment Period to enroll in or change a Marketplace plan for 2022.
• See the full list of life changes that may qualify. Or, answer a few questions about your situation to get an idea.

See if you’re eligible for 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.
• Medicaid and CHIP don't have Open Enrollment Periods, so if you’re eligible, you can enroll any time.
• To see if you may qualify, enter your ZIP code and get an estimate.