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What information do I provide when applying for Marketplace coverage?


In order to apply for health care through the Affordable Care Act (ACA) Marketplace you will need to enter the  website. Once you enter the website you will need to provide information such as your name, address, age, number of people in your family, household income, whether you have access to insurance elsewhere and also provide answers to health related questions such as do you smoke. If you are eligible for tax credits you may have to verify your income and provide income tax information. The tax credit which is called the premium tax credit is refundable and taxpayers who have little or no income tax liability can still benefit. The credit is paid in advance to a taxpayer’s insurance company to help cover the cost of premiums.


Under the ACA the individual mandate you are required to have health insurance unless you are exempt.  If you do not meet the mandate you will face a penalty of up to $95 per adult $47.50 per child or 1% of family income whichever is greater.  If you are not insured and want to meet the individual mandate you can purchase insurance through the insurance Marketplace. You can enter the marketplace at the  government website.  The website directs you to the exchange of the state were you reside. Once you are in the exchange purchasing insurance takes four steps.



  1. Create an account
  2. Enter financial information to determine if you are eligible for a tax credit or other financial aid
  3. Review the various plans and evaluate their coverage’s features and cost
  4. Enroll for the policy of your choice
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