Marketplace Health Insurance (Under Age 65)

Marketplace health insurance is designed for individuals and families under age 65 who do not have coverage through an employer, Medicare, or Medicaid. These plans are offered through the Health Insurance Marketplace and provide comprehensive medical coverage that meets federal standards for essential health benefits. Whether you’re self-employed, between jobs, or simply looking for more affordable options, Marketplace plans help ensure you stay protected year-round.

All Marketplace plans cover essential services such as doctor visits, hospital care, preventive services, prescriptions, mental health care, and maternity coverage. Many plans also qualify for premium tax credits and cost-sharing reductions, which can significantly lower monthly premiums and out-of-pocket costs based on household income. Enrollment is available during the Annual Open Enrollment Period, with Special Enrollment options for qualifying life events such as loss of coverage, marriage, or relocation.