Discover tips to stay healthy and get the care you need. Pay your first premium to your insurance company to start 2025 coverage Learn how to check if your plan coverage started and how to get to your plan’s website to pay your premium.

All Marketplace insurance plans cover mental health and substance abuse services as an essential health benefit. Learn more about what's covered at HealthCare.gov.

Get estimated prices on 2025 health plans before you apply You can browse plans and estimated prices here any time. Next, create or log into your Marketplace account to apply, get final prices, and enroll.

Learn about the essential health benefits that all private health insurance plans offered in the Health Insurance Marketplace® must cover.

You'll find health insurance plans with estimated prices available to you. Premium estimates show any savings you qualify for based on the basic information you entered. The actual Marketplace application asks for more details. You’ll get exact prices after you fill it out.

A Flexible Spending Account (FSA, also called a “flexible spending arrangement”) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t pay taxes on this money.

A measure of income issued every year by the Department of Health and Human Services (HHS). Federal poverty levels are used to determine your eligibility for certain programs and benefits, including savings on Marketplace health insurance, and Medicaid and CHIP coverage.

If your employer offers you a QSEHRA, you can use it to help pay your household's health care costs (like your monthly premium) for qualifying health coverage.

Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Learn about your child's CHIP eligibility and the benefits under the Children's Health Insurance Program.

Essential health benefits A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. These include doctors’ services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more.