The Marketplace Open Enrollment at HealthCare.gov runs from November 1 to January 15. Consumers who want health coverage starting January 1 should enroll in coverage by December 15. Consumers must enroll by January 15 to have coverage that starts on February 1. Otherwise, consumers will need to qualify for a Special Enrollment Period to enroll in a Marketplace plan.

Thanks to a new law from 2022, the Inflation Reduction Act (IRA), more people qualify for help purchasing quality health coverage. If you have looked for health coverage before, it is worth a second look:

• 4 out of 5 HealthCare.gov customers will be able to find a plan for $10/month or less with financial help.
• With the IRA, millions of people will continue to qualify for tax credits that lower their premiums.

The Marketplace offers are quality, comprehensive health insurance plans that provide coverage for doctor visits, emergency care, behavioral health care, preventive care, hospital care, maternity care, and prescription drugs.

• There are also new plan options that offer similar benefit designs and more pre-deductible services.

Consumers can access Navigators and other assisters on the Marketplace. To find local help go to HealthCare.gov/find-localhelp

All consumers shopping for health insurance coverage — even those who currently have coverage through the Marketplace — should enroll or re-enroll by logging in to HealthCare.gov or CuidadodeSalud.gov or call 1-800-318- 2596 (TTY is 855-889-4325) to fill out an application and enroll in a Marketplace plan. Free help is available 24 hours a day/7 days a week, and assistance is available in more than 200 languages.