Enroll in the Health Insurance Marketplace

You can apply and enroll in health coverage through the Health Insurance Marketplace at www.HealthCare.gov. Open enrollment ends on March 31. Through the Marketplace, you can apply, compare all your options, and find out if you can get lower costs on monthly premiums or get free or low-cost coverage. When you’re ready to enroll, you’ll decide how you pay your premiums.

Exemptions from the fee - If you don’t have health coverage that qualifies as minimum essential coverage, you must either pay a fee or get an exemption from paying the fee. You may not have to pay the fee in certain situations. This is called having an “exemption.” You may qualify for an exemption if:

  • You’re uninsured for less than 3 months of the year
  • The lowest-priced coverage available to you would cost more than 8% of your household income
  • You don’t have to file a federal tax return because your income is too low
  • Your income is below 100% of the federal poverty level and your state hasn’t expanded Medicaid
  • You’re a member of a federally recognized tribe or eligible for services through an Indian Health Services provider
  • You qualify for a hardship exemption
  • You enrolled in a plan through the Marketplace by March 31, 2014, with coverage effective for May 1, 2014, even if you didn’t have coverage earlier in the year

There are more ways you may qualify for an exemption. Learn more about hardship exemptions, additional exemptions, and how to claim all exemptions from the fee.

If you have questions, please call Enroll El Paso at 206-2121 between 9 a.m.-4 p.m. Monday-Friday or visit one of our events in the community: http://www.enrollelpaso.org/en/calendar

Prepare to apply

The Health Insurance Marketplace offers different types of health plans to meet a variety of needs that will assist you in deciding what best fits your budget. Individuals using the Marketplace may qualify to save money. To find out what you’re eligible for when you apply, please bring the following information and documents with you when you visit us at one of the following events: http://www.enrollelpaso.org/en/calendar

  • Social Security Card (or document numbers for legal immigrants-resident card or certificate)
  • Certification of naturalization with passport
  • Government Issued Picture ID (Driver's license, state ID)
  • Employer and income information for every member of your household who needs coverage (for example, pay stubs or W-2 forms-Wage and Tax Statements)
  • Policy numbers for any current health insurance
  • Copy of current Medicaid or CHIP documents (if you have Medicaid or CHIP)
  • Information about any health insurance you or your family could get from your jobs (even for coverage you're eligible for but don't enroll in)

Quick Check: Do I qualify to save on health insurance coverage?

To learn if you qualify for lower costs on health insurance coverage, find your estimated 2014 household income and household size on the list below. For more information, visit: https://www.healthcare.gov/how-can-i-save-money-on-marketplace-coverage-chart/

If you are the only person in your household:

  • If your yearly income is between $11,490 and $45,960, you may qualify for lower premiums on a Marketplace insurance plan.
  • If your yearly income is between $11,490 and $28,725, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
  • If your yearly income is below $11,490, and your state did not expand Medicaid, you may not qualify for any Marketplace savings programs.(Texas did not expand Medicaid)

If there are 2 people in your household:

  • If your yearly income is between $15,510 and $62,040, you may qualify for lower premiums on a Marketplace insurance plan.
  • If your yearly income is between $15,510 and $38,775, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
  • If your yearly income is below $15,510, and your state did not expand Medicaid, you may not qualify for any Marketplace savings programs. (Texas did not expand Medicaid)

If there are 3 people in your household:

  • If your yearly income is between $19,530 and $78,120, you may qualify for lower premiums on a Marketplace insurance plan.
  • If your yearly income is between $19,530 and $48,825, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
  • If your yearly income is below $19,530, and your state did not expand Medicaid, you may not qualify for any Marketplace savings programs. (Texas did not expand Medicaid)

If there are 4 people in your household:

    • If your yearly income is between $23,550 and $94,200, you may qualify for lower premiums on a Marketplace insurance plan.
    • If your yearly income is between $23,550 and $58,875, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
    • If your yearly income is below $23,550, and your state did not expand Medicaid, you may not qualify for any Marketplace savings programs. (Texas did not expand Medicaid)

If there are 5 people in your household:

    • If your yearly income is between $27,570 and $110,280, you may qualify for lower premiums on a Marketplace insurance plan.
    • If your yearly income is between $27,570 and $68,925, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
    • If your yearly income is below $27,570, and your state did not expand Medicaid, you may not qualify for any Marketplace savings programs. (Texas did not expand Medicaid)