Health coverage, explained in plain English
Straight answers about Health Insurance Marketplace coverage — losing job coverage, self-employment, turning 26, special enrollment and more.
Self-Employed
Losing Employer Coverage
- Don't Miss Your Window After Losing Health CoverageLosing health coverage can open a limited window to enroll in Marketplace coverage. The important part is knowing which events qualify, when your clock starts and when it may close.
- Lost Job or Medicaid Coverage? What to Do NextLosing health coverage does not always mean waiting for the next Open Enrollment Period. A Special Enrollment Period may give you a limited time to choose new coverage.
Special Enrollment
- ACA Open Enrollment: What to Do Between Nov 1 and Jan 15ACA Open Enrollment for 2027 starts November 1 on HealthCare.gov. Learn how to prepare, review your household details, and avoid missing key dates.
- Moving to a New State or ZIP Code? When You Can Change ACA Health InsuranceMoving can affect your Marketplace health insurance options and enrollment rights. Learn when a new state or ZIP code may qualify for Special Enrollment.
Marketplace / ACA
- My Job Offers Health Insurance: Can I Still Get ACA Marketplace Savings?You can shop for Marketplace coverage even when your employer offers health insurance. The bigger question is whether that job-based offer prevents you or your family from qualifying for Marketplace savings.
- What Happens to Your ACA Marketplace Savings When Your Income Changes?Marketplace savings are based on expected household income for the coverage year. If that estimate changes, updating your application can help keep your financial assistance aligned with your current situation.