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Not Eligible: If you are covered by government insurance, such as Medicare, Medicaid, CHIP, Tricare, or the Veteran's Health Program--with a few exceptions. If you are covered by "affordable" health insurance through your employer, you are also not eligible.
Eligible: Individuals and families not presently covered by insurance. See more at HealthCare.gov. Enrollment in the marketplace must occur during the special enrollment period (see "Important Dates") or at times when there is a significant life changing event, such as birth of a child, marriage or divorce. Coverage may be changed during qualifying enrollment periods. Those turning 65 can also change their coverage due to being eligible for Medicare coverage.
Please note that a marketplace health insurance policy will not go into effect until the first premium has been paid.
Figure out how much you are willing to pay for health insurance premiums.
Realize that many people using the Marketplace will qualify to save money. To find out how much savings you’re eligible for when you apply, it will help to have these things close by:
Open enrollment begins.
Open enrollment is scheduled to close. After that, you are eligible for a special enrollment period if you experience a Qualifying Life Event.
Available to individuals and households with an income between 100% and 400% of the poverty level. They may be used to directly subsidize premiums or taken as a tax rebate when filing tax forms at the end of the year. To get a rough estimate of how much subsidy you might qualify for, see this calculator.
This occurs when a person or family has no existing health insurance and chooses not to enroll in a marketplace plan. This fee does not apply to people in states which did not expand Medicaid and who would have qualified for Medicaid under a Medicaid expansion. There are also other exemptions. See more information on fees and exemptions.
Keeping track of your income in order to determine whether your subsidies will go up or down, and to prevent yourself from owing a tax bill (a return of subsidies) at the end of the year may require that you keep good records. For more information on how tax rebates or subsidies work see Facing Tax Penalties? What You Need to Know Now.