Health Insurance Blog - Healthcare.gov
| Health coverage for young adults
Health insurance can protect you at any age. Know your options, whether you’re still covered through a parent’s health insurance plan or searching for your own plan.
4 health insurance options for young adults
Learn more about getting covered if you’re under 30.
POSTED MAY 18, 2023
|New Marketplace coverage changes for COVID-19
The Public Health Emergency for COVID-19 is over. Your Marketplace plan may have some changes to how it covers services for COVID-19.
Coverage changes for COVID‑19
- Vaccines continue to be covered without cost sharing when delivered by an in-network provider.
- COVID-19 tests (both administered at a doctor’s office and at-home tests from a store or pharmacy) might not be covered. (To find out, check with your plan.)
- If you can’t pay your premiums, plans can end your coverage.
The Special Enrollment Period for the COVID-19 Public Health Emergency ends June 9, 2023.
Learn more about these changes and your coverage options.
POSTED MAY 12, 2023
|Did your income or household recently change?
Be sure to let us know if your income or household size recently changed – like if you got a raise or had a baby – by updating your Marketplace application. New coverage options and savings may be available to you. You may qualify for more savings than you’re getting now, so don’t miss out.
What changes should I 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.
How to report changes
Report changes to the Marketplace by updating your application. You can update your application online, by phone, or in person.
To update your application online, you'll need to open your existing application and make changes.
Log in to update
POSTED MAY 04, 2023
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POSTED APRIL 25, 2023
|Preventive services you don’t want to skip
Now that you have Marketplace coverage, take advantage of the many free preventive services to help you stay healthy and get the care you need. Getting these services and making healthy lifestyle choices are key steps to good health and well-being. Check with your doctor to find out what services are right for you.
What are preventive services?
- Marketplace insurance plans cover preventive services for free when they’re delivered by a doctor or other provider in your plan’s network.
- Preventive services include screenings, check-ups, and patient counseling. These services are used to prevent illnesses, disease, and other health problems, or to detect illness at an early stage when treatment is likely to work best.
Common preventive services
- Blood pressure screenings
- Cholesterol screenings (for certain ages and people at high risk)
- Depression screenings
- Obesity screenings and counseling
Get more information on preventive and wellness services for your whole household, and learn more about preventive care from the CDC.
POSTED APRIL 20, 2023
|The time to file taxes is almost over. Here’s what to know
The last day to file your 2022 federal income taxes is April 18, 2023. If anyone in your household had Marketplace health coverage in 2022, you’ll use Form 1095-A, Health Insurance Marketplace® Statement to file. (If you didn’t get Form 1095-A online or by mail, or if the information on it’s wrong, contact the Marketplace Call Center.)
How to “reconcile” on your tax return
- You’ll use your Form 1095-A to "reconcile" your 2022 premium tax credits when you file your taxes if you or anyone in your household had Marketplace coverage at any point in 2022.
- Any difference between the amount of premium tax credit you used in advance during the year and the premium tax credit you actually qualify for based on your final income will affect whether you owe money or get a refund.
- If you used premium tax credits you’ll report the excess advance payment of the premium tax credit on your tax return or file Form 8962, Premium Tax Credit (PDF, 110 KB).
Questions? Free help is available
POSTED APRIL 06, 2023
|Life change? You may qualify for a Special Enrollment Period
Life change? You may qualify for a Special Enrollment Period
Open Enrollment for 2023 ended on January 15, 2023, but you may still be able to enroll in or change Marketplace coverage if you’ve had certain life events or income. Life events that may qualify include getting married, having a baby, moving, or losing health coverage. Get a full list of qualifying life changes.
Do I qualify for a Special Enrollment Period?
My income changed. Am I eligible for Medicaid or CHIP?
Learn more about 2023 coverage options.
POSTED MARCH 23, 2023
|File your taxes using Form 1095-A, Health Insurance Marketplace® Statement
The tax filing deadline is April 18, 2023. If anyone in your household had a Marketplace plan in 2022, use Form 1095-A, Health Insurance Marketplace® Statement to file your federal taxes. You’ll get this form from the Marketplace, not the IRS. Check your Form 1095-A to make sure your information is correct. Keep it with your other important tax information.
Check your online account for Form 1095-A
If you didn’t get your Form 1095-A in the mail, or you can’t find it, check your HealthCare.gov account:
- Log into your HealthCare.gov account.
- Under "Your Existing Applications," select your 2022 application.
- Select “Tax Forms” from the menu on the left.
- Download all 1095-A forms shown on the screen.
If you still can’t find your form, contact the Marketplace Call Center.
How to “reconcile” using Form 1095-A
- You’ll use the 1095-A form to "reconcile" — check if there's any difference between the premium tax credit you got and the amount you qualify for on your taxes.
- Before you start, check the form to make sure the information is right. If you filed your taxes with an incorrect form, you may need to file an amended tax return using the correct information.
- If anything about your coverage or household is wrong, contact the Marketplace Call Center.
POSTED MARCH 09, 2023
|Health insurance and taxes
If you had Marketplace coverage at any point in 2022, or got premium tax credits last year, here’s what you need to know about filing your federal taxes.
- Keep your Form 1095-A in a safe place
- Check that your Form 1095-A is correct
- "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).
- Get details on how to "reconcile".
- If there’s a difference between the amount of premium tax credit you used during the year and the amount you actually qualify for, it will impact your refund or the amount of taxes you owe.
POSTED FEBRUARY 23, 2023
|Get to know your Marketplace health plan
Congratulations on getting covered for 2023! Get answers to some common questions about health insurance, like how to find a doctor and learn what prescriptions are covered.
What prescriptions are covered by my plan?
- Your plan will help pay the cost of certain prescriptions.
- Your plan’s list of covered drugs is called a "formulary."
- 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?
How do I use my coverage?
POSTED FEBRUARY 09, 2023