Key Highlights at a Glance

  • Starting in 2014, most U.S. citizens will be required to have health care insurance or pay a penalty.
  • Starting in 2014, health insurance plans can’t refuse to cover you or charge you more just because you have a pre-existing health condition.

All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These are services all plans must cover. The essential health benefits include:

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (such as surgery)
  • Maternity and newborn care (care before and after your baby is born)
  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
  • Prescription drugs
  • Rehabilitative services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services

What to know about the Health Insurance Marketplace

One Place to Shop for Health insurance
The Marketplace is making it easier for you to search for health coverage. With one application, you can compare plans, and explore any free or low-cost programs.

You may be Eligible for Help Paying Insurance Cost
By completing one simple application, you can view and compare health insurance options and find out if you are eligible, based on your income, for financial assistance in the form of tax credits to lower your cost.

Medicare Isn’t Part of the Health Insurance Marketplace
If you have Medicare, you are considered covered and don’t need to do anything. The Marketplace does not offer Medicare supplement insurance.