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Missed the January 15 deadline for 2025 Marketplace Open Enrollment? Don’t worry—you may still have options for health coverage for the rest of the year. 

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Enroll with a Special Enrollment Period 

You could be eligible for a Special Enrollment Period to get or change your health coverage if:

• Your income is within a certain range
• You’ve had a qualifying life change, like losing your health coverage, getting married, having or adopting a baby, or moving
• You're a member of a federally recognized Tribe or Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder

If you qualify, you can enroll in Marketplace coverage anytime this year, even outside the regular Open Enrollment Period.

Time’s almost up to get health coverage for 2025. Act before January 15 to enroll in health coverage that starts February 1. 

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Enroll in health coverage now that meets your budget & needs

Depending on your expected household income for the year, you or members of your household may qualify for lower costs or coverage through Medicaid or the Children’s Health Insurance Program. Got questions about applying? Get help now. 

Ready to enroll?

• New users: Welcome! Create an account to fill out an application for the first time.
• Returning users: Welcome back! Log in to update your application, compare plans, and change or renew for 2025.

Do you hear that? It’s the clock ticking towards the January 15 deadline. You still have time to apply for, renew, or change 2025 health insurance.

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Don't miss out! After January 15, you can only enroll in or change your health plan for 2025 if you qualify for a Special Enrollment Period. If not, you may have to wait until next year to get coverage.

Ready to apply & enroll today?

• First timer? If you're new to HealthCare.gov, create an account to fill out an application.
• Returning user? Log in to update your application, compare plans, and enroll or re-enroll.

Have questions? Get help now.

To start your new 2025 Marketplace coverage, pay the first premium. This is the amount you pay every month to the health insurance company to keep your coverage.

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How to pay your monthly premium to start your coverage

Follow your insurance company’s instructions on how to pay.

• Pay online. You might be able to pay your first premium through your Marketplace account or through your insurance company.
• If you can't pay online, your insurance company should tell you how to pay your premium. If they didn't, reach out to them.
• If you aren’t sure you paid, check your Marketplace account to find out if your coverage is active.

Get details on how to pay your premium to complete your enrollment.

Don't wait—time is running out! The December 15 deadline to apply, renew, or make changes for Marketplace coverage starting January 1 is fast approaching. Take action now to ensure you don't experience any gaps in your coverage.  

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Prioritize your health in 2025: Apply today

Kick off 2025 by getting health coverage for you and your family that starts January 1. Act now to ensure you’re ready for the year ahead. 

• If you’re new to HealthCare.gov: Create an account and complete your application.
• If you have 2024 Marketplace coverage: Log into your account to update your application, compare plans, and change or renew your coverage for next year.

Get Marketplace overview

Apply for, renew, or change your Marketplace plan by December 15 to make sure your coverage starts January 1.  

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Already have Marketplace coverage?

Whether you want to keep your current coverage or you’re ready for a change, you should log into your account to update any income or household changes for next year. This makes sure you get the right amount of savings and can help you find other plans that may better fit your needs.

Applying for the first time?

• Create an account to apply.
• Get some quick tips about the Marketplace.
• Learn how to choose a Marketplace plan.

Start next year off right. Make sure you’re covered starting January 1.

Open Enrollment is now. Start 2025 off right by enrolling in coverage for the new year. 

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For coverage to start:

• January 1, 2025: Act by December 15, 2024
• February 1, 2025: Act by January 15, 2025

Make time today for a few easy steps. Coverage may be more affordable and easier than you think. 

Apply & enroll today:

• New to the Marketplace? Create an account.
• Already have an account? Log in to update your application, compare plans, and change or renew for 2025. Need help applying or have questions? Get help now.

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Before you apply, check out 2025 coverage options in the Marketplace and get an idea if you qualify for savings. Answer a few quick questions to preview plans and prices before enrolling or renewing coverage for 2025 — you don’t even have to log in! 

Enroll by December 15 for coverage that starts January 1.

Check to see if you'll save on 2025 Marketplace coverage:

• Find Marketplace premiums or check if you may qualify for Medicaid or Children’s Health Insurance Program (CHIP) coverage. Enter:
  • Your state
  • The number of people in your household (even if they don’t need health coverage)
  • Your estimated household income (use this calculator for help)
• Before you apply, you can also preview 2025 plans with price estimates based on your expected income.

Apply now

• If you’re new to HealthCare.gov, create an account to fill out an application for the first time.
• If you have 2024 Marketplace coverage, log in to update your application, compare plans, and enroll or renew for 2025.

Need help applying or have questions? Get help now.

Don’t delay — enroll today! Open Enrollment for 2025 health insurance is here. Enroll in a new plan or change your coverage for the year ahead.

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Apply and enroll at HealthCare.gov

There are several ways to sign up for health coverage, but the quickest and easiest is to apply online. Here’s how to get started:

• First time applying? Create an account to start a new application.
• Already have an account? Log in to start or update an existing application.

Follow these 4 simple steps to complete your enrollment.

Got questions? Help is available

• Call the Marketplace Call Center. Call us to ask questions, start or finish your application, compare plans, or enroll. Get free, unbiased personal help.
• Meet with an in-person assister. Search by your city, state, or ZIP code to find local people and organizations who can help you apply for coverage, choose a plan, and enroll. Some offer help in different languages. 
• Connect with an agent or broker. Agents and brokers can help you enroll in Marketplace coverage and can even take care of the whole process. (They might earn a commission from health insurance plans for enrolling you.)

Don't wait to enroll for 2025 — most people qualify for savings, and plans cover preventive care, essential health benefits, and more!

Learn more about Marketplace plans

Jump start Open Enrollment for 2025 coverage by previewing plans with personalized price estimates based on your estimated income and household size. 

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Preview personalized 2025 plans & prices

• Take a sneak peek at 2025 plans and price estimates now to get ahead for Open Enrollment starting November 1.  
• You'll answer a few quick questions about your estimated 2025 income and household to find health plan options and estimated prices.  
• Previewing plans now helps you get ready to make an informed choice. 

Preview 2025 plans & prices 

Need help estimating your income? 

• Marketplace savings are based on your expected household income for 2025, not 2024. 
• Try this calculator to get an estimate of your income for the upcoming year.