Comprehensive Guide to Shopping the Health Insurance Market Place Website

Are you new to the market place and need help figuring out the health insurance market place website?

Do you have insurance already but can’t remember how to update your information?

Have you been trying to figure out how you can get the most out of the health insurance market place website?

Choosing the right health insurance plan is daunting enough for most people, but it can be doubly frustrating if you don’t know how to use the health insurance market place website.

In this blog, you’ll learn how to create a new account and application, update an existing account and application, and review and compare health insurance plans.

You’ll also read some tips on how to use the health insurance market place website so that it makes your experience simple.  

Health Insurance Market Place website
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Health Insurance Market Place Website Overview

The health insurance market place website allows you to do virtually everything necessary to get health insurance. You can apply, submit documents, and make your first payment without ever leaving your computer.

The first thing you want to know is that in order to have health insurance beginning January 1, 2021, you will need to apply during the open enrollment period – November 1, 2020, through December 15, 2020.

A Fiorella Insurance Agent can help you choose insurance that’s right for you.

If you qualify for a special enrollment period, you can still apply for plans that cover you through the end of 2020. And if you have a qualifying life change after January 1st, you may be able to get insurance through the market place.

You’ll also need some basic information to use the health insurance market place website:

  • Personal information
  • Household information
  • Employment and income information

Be prepared to spend a little bit of time to completely fill out the application and review your choices.

How to Buy Insurance from the Health Insurance Market Place Website

Fortunately, buying insurance from the health insurance market place website is relatively straightforward. Follow these simple steps to make the process quick:

1. Create Your Profile and Complete Your Application

To create your account, you’ll need a valid email address. You can create an account first, then fill out your application when you’re ready. Creating an account takes just a few minutes and can be done with only a little bit of information.

When you’re ready to fill out your application for the first time, log into your account and there will be a prompt for you to start a new application. This part of the process will take a little bit of time, but you can have the entire process done in about 30 minutes if you don’t have to submit documents.

2. Update Your Account Information and Application

If you’ve used the health insurance market place website in the past and need to make changes to your account information or application, you can log in with the same information you used in the past. There is an option for you to recover your information if you’ve forgotten it.

If you need to make changes to an application, you’ll select that option. Otherwise, you can start a new application for coverage for 2020 and it will have some of your information on file already. You’ll just make changes where it’s appropriate.

3. Review and Compare Healthcare Plans

After you’ve completed your application and submitted any required documents, you’ll be presented with your health insurance options. Plans are typically displayed starting with the least expensive premiums first, but you can sort and filter plans based on your needs.

It’s a good idea to compare a few plans before making a decision. You can select a few plans and compare them side by side to get an idea of which plan is best for you. You can also estimate your medical costs for each plan.

4. Activate Your Plan and Make Your First Payment

Now that you’ve reviewed and compared your health insurance plans, you will want to activate your plan. To do this, you’ll need to make your first monthly premium payment. The health insurance market place website will direct you to where you can make that payment.

If you qualify for any premium tax credits, you’ll be able to choose how they are applied to your premiums at this point. You can apply all of them to your monthly premiums, part of them to your premiums, or not apply the credits at all.

Tips for Buying Insurance from the Health Insurance Market Place Website

If you want to make the most of your health insurance market place website experience, there are some things you can do to speed up your application process and narrow down the right plan for you and your family.

  • Have your information ready: The health insurance market place website asks questions around your personal, household, and employment and income information. You may need identifying information for your dependents if you have them.
  • Make a list of your healthcare needs: To get the best estimate of your healthcare costs, make a list of all routine healthcare and consider how much you can afford to pay out of pocket if you have a significant health incident.
  • Review plan details carefully: Make sure you spend time comparing details like deductibles, premiums, and out-of-pocket maximums. You’ll also want to compare prescription coverage if you get medication filled often.

The extra time you put into preparing information for your application, the more smoothly the process will go. Of course, you can always save the application and complete it later if you find that you are missing the information you need.

Getting Help with the Health Insurance Market Place Website

If you are having trouble figuring out the health insurance market place website after this and want to know what your other options are, you can apply for coverage:

  • By phone
  • By mail
  • Through a broker or agent

A Fiorella Insurance broker or agent can help you figure out what information you’ll need, what documents to submit if you need to, and decide which plan is best for you and your family.

Still need help figuring out the health insurance market place website? Contact Fiorella Insurance Agency and have an agent connect you with the right healthcare plan.

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