What is the Marketplace?

The Marketplace is not a mall, nor is it a set of shops. It is a "virtual" marketplace, found online at healthcare.gov.

Enrollment is only permitted during Open Enrollment or during Special Enrollment Periods.

The 2020 Open Enrollment Period will run from Friday, November 1, 2019, to Sunday, December 15, 2019.

Open Enrollment for 2019 Is Closed But You May Qualify for a Special Enrollment. Find Local Help Here.

Insurance companies offer medical and dental insurance with varying levels of health coverage, and you can choose among the various choices. There are several different insurance companies, and they offer products at different levels: bronze, silver, gold, and platinum. In general, platinum plans cover more than gold plans; gold plans cover more than silver plans; silver plans cover more than bronze plans.

There is one important exception to that: people who get subsidized health care generally get better benefits when they choose a silver plan. [See also: How Does Your Income Affect The Cost of Your Marketplace Plan?]

If you don’t have coverage through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP or MIChild), or another source, the Marketplace helps you find and enroll in a plan that fits your budget and meets your needs.

If you do not have health insurance, apply on the Marketplace and find out what health insurance assistance programs you are eligible for.  If you need assistance or would like to make an appointment, find an agency here or call Washtenaw Health Plan at 734-544-3030.  

A screenshot of the    healthcare.gov    website. Applying online is generally easy.

A screenshot of the healthcare.gov website. Applying online is generally easy.

How to Apply at Healthcare.gov

You can apply online, by phone (800-318-2596), or with a paper application. When you apply, you will find out if you qualify for a health insurance plan with savings based on your income. Most people who apply qualify for premium tax credits that lower the costs of health coverage. You may also qualify for savings on deductibles, co-payments and other costs. 

Do you want help? Visit the Washtenaw Health Plan Monday-Friday 9-4, call (734) 544-3030, or find some local assistance here.

Get Covered On The Marketplace: HealthCare.gov

Special Enrollment Periods: 60 days after a change happens

If you have a transition--lose a job, get a new immigration status, move to a different location, get married, have a child, lose your Medicaid insurance--you may be eligible on the Marketplace for a Special Enrollment Period. Read about special enrollment periods here.

Generally, in Michigan, different plans are offered in different counties, so if you move, you need to update your address, report a life change, and--possibly--choose a new plan.