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class="megaMenu-module--topic-link--97a32" href="/self-employed/">Are self-employed</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/unemployed/">Are unemployed</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/medicare/">Qualify for Medicare</a></li></ul></div><div class="megaMenu-module--topic--24373"><h2 class="ds-text-heading--md megaMenu-module--topic-group-heading--32ef0">Taxes</h2><ul class="ds-c-list--bare"><li><a class="megaMenu-module--topic-link--97a32" href="/taxes/">Health coverage &amp; your taxes</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/tax-form-1095/">Tax Form 1095-A</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/taxes-reconciling/">&#x27;Reconcile&#x27; tax credit</a></li></ul></div><a class="megaMenu-module--browse-all-topics--db28c" href="/topics/">Browse all topics</a></div><div class="megaMenu-module--topic-group--dced5 ds-l-col"><label class="ds-text-heading--md megaMenu-module--featured-label--ed64e" id="mm-topic-featured">Featured</label><div aria-labelledby="mm-topic-featured"><img src="/assets/learn/static/featured/oe-starts-topics-image1-megamenu.jpg" alt="" class="megaMenu-module--featured-image--63c97" title="Person in yellow sweater and glasses checking health coverage options"/><p class="megaMenu-module--featured-heading--d1d6f">Apply &amp; enroll in 2025 coverage today</p><a class="megaMenu-module--topic-link--97a32" href="/apply-and-enroll/how-to-apply/">Beat the December 15 deadline to enroll in health coverage that starts January 1. Apply now.</a></div></div></div></div></div><a class="index-module--nav-link--9fcad" href="/get-answers/">Get Answers</a><form role="search" method="get" action="/search/" class="index-module--search-form--93f38"><input id="input-main-nav-search-desktop" aria-labelledby="input-main-nav-search-desktop-btn" title="Enter text to search" name="q" class="index-module--search-form-input--77e9d ds-c-field" aria-label="Site Search"/><button id="input-main-nav-search-desktop-btn" type="submit" class="ds-c-button ds-c-button--solid index-module--search-form-submit--5f34f">Search</button></form></nav></div></header></div><main id="main" tabindex="-1" class="SiteLayout-module--main--120ae ds-content"><div class="ds-l-container Banner-module--banner-container--69a33"><div class="Banner-module--banner--bf044"><strong class="Banner-module--banner-text--33c16" id="home-banner-text">Enroll by Dec 15 for Jan 1 coverage</strong><a class="ds-c-button ds-c-button--small Banner-module--banner-cta--63c51 ds-c-button ds-c-button--solid ds-c-button--alternate ds-u-font-weight--bold" data-testid="banner-cta" id="home-banner-cta" aria-labelledby="home-banner-text home-banner-cta" href="/apply-and-enroll/how-to-apply/">Act now</a></div></div><div class="index-module--wave-container--4ffd8"><section class="ds-l-container"><div class="ds-l-row"><div class="ds-l-col--12 ds-l-md-col--7"><div class="index-module--primary-hero-content--dfac0"><img src="/assets/learn/static/hero/oe12-oestarts-home-hero-final.png" alt="" class="index-module--hero-image--84dbc" title="Person smiling in purple shirt with arms crossed"/><svg width="4096" height="1876" viewBox="0 0 4096 1876" fill="none" xmlns="http://www.w3.org/2000/svg" preserveAspectRatio="none" class="index-module--wave--068d0"><path d="M290 54.3924C198.184 40.8831 53.2294 19.241 0 0V1876H4096V1.11006C4096 1.11006 3930.8 34.8817 3826 43.2923C3684 54.6881 3532 52.1723 3426 43.2923C3320 34.4124 3050 -12.2107 2822.5 7.76987C2595 27.7504 2512 70.9513 2314 54.3924C2116 37.8335 1862 14.4308 1748.58 7.76987C1545.27 -4.17104 1354.64 16.7423 1172 43.2923C1031 63.7892 752 75.484 654 75.484C556 75.484 369.538 66.0952 290 54.3924Z" fill="url(#paint0_linear_363_5502)"></path><defs><lineargradient id="paint0_linear_363_5502" x1="2048" y1="184" x2="2048" y2="1876" gradientUnits="userSpaceOnUse"><stop stop-color="#E6F1F8"></stop><stop offset="0.735" stop-color="#E6F1F8" stop-opacity="0.5"></stop><stop offset="1" stop-color="white" stop-opacity="0"></stop></lineargradient></defs></svg><h1 class="index-module--headline--804d9">Welcome to the Health Insurance Marketplace<sup class="superscript">®</sup></h1><a class="ds-c-button ds-c-button--big index-module--headline-cta--f4547 ds-c-button--solid" href="/create-account">Apply for coverage</a></div></div><div class="ds-l-col--12 ds-l-md-col--5"><div class="index-module--hero-cards-container--7585b"><a class="HeroCard-module--hero-card--83089" href="/quick-guide/one-page-guide-to-the-marketplace/"><svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="book-open-reader" class="svg-inline--fa fa-book-open-reader " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" prefix="fas"><path fill="currentColor" d="M160 96a96 96 0 1 1 192 0A96 96 0 1 1 160 96zm80 152V512l-48.4-24.2c-20.9-10.4-43.5-17-66.8-19.3l-96-9.6C12.5 457.2 0 443.5 0 427V224c0-17.7 14.3-32 32-32H62.3c63.6 0 125.6 19.6 177.7 56zm32 264V248c52.1-36.4 114.1-56 177.7-56H480c17.7 0 32 14.3 32 32V427c0 16.4-12.5 30.2-28.8 31.8l-96 9.6c-23.2 2.3-45.9 8.9-66.8 19.3L272 512z"></path></svg>Get Marketplace basics</a><a class="HeroCard-module--hero-card--83089" href="/login"><svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="square-pen" class="svg-inline--fa fa-square-pen " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" prefix="fas"><path fill="currentColor" d="M64 32C28.7 32 0 60.7 0 96V416c0 35.3 28.7 64 64 64H384c35.3 0 64-28.7 64-64V96c0-35.3-28.7-64-64-64H64zM325.8 139.7l14.4 14.4c15.6 15.6 15.6 40.9 0 56.6l-21.4 21.4-71-71 21.4-21.4c15.6-15.6 40.9-15.6 56.6 0zM119.9 289L225.1 183.8l71 71L190.9 359.9c-4.1 4.1-9.2 7-14.9 8.4l-60.1 15c-5.5 1.4-11.2-.2-15.2-4.2s-5.6-9.7-4.2-15.2l15-60.1c1.4-5.6 4.3-10.8 8.4-14.9z"></path></svg>Log in to make changes</a><a class="HeroCard-module--hero-card--83089" href="/see-plans/#/"><svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="bag-shopping" class="svg-inline--fa fa-bag-shopping " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" prefix="fas"><path fill="currentColor" d="M160 112c0-35.3 28.7-64 64-64s64 28.7 64 64v48H160V112zm-48 48H48c-26.5 0-48 21.5-48 48V416c0 53 43 96 96 96H352c53 0 96-43 96-96V208c0-26.5-21.5-48-48-48H336V112C336 50.1 285.9 0 224 0S112 50.1 112 112v48zm24 48a24 24 0 1 1 0 48 24 24 0 1 1 0-48zm152 24a24 24 0 1 1 48 0 24 24 0 1 1 -48 0z"></path></svg>Browse plans &amp; costs</a><a class="HeroCard-module--hero-card--83089" href="/find-assistance/"><svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="handshake-angle" class="svg-inline--fa fa-handshake-angle " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 512" prefix="fas"><path fill="currentColor" d="M544 248v3.3l69.7-69.7c21.9-21.9 21.9-57.3 0-79.2L535.6 24.4c-21.9-21.9-57.3-21.9-79.2 0L416.3 64.5c-2.7-.3-5.5-.5-8.3-.5H296c-37.1 0-67.6 28-71.6 64H224V248c0 22.1 17.9 40 40 40s40-17.9 40-40V176c0 0 0-.1 0-.1V160l16 0 136 0c0 0 0 0 .1 0H464c44.2 0 80 35.8 80 80v8zM336 192v56c0 39.8-32.2 72-72 72s-72-32.2-72-72V129.4c-35.9 6.2-65.8 32.3-76 68.2L99.5 255.2 26.3 328.4c-21.9 21.9-21.9 57.3 0 79.2l78.1 78.1c21.9 21.9 57.3 21.9 79.2 0l37.7-37.7c.9 0 1.8 .1 2.7 .1H384c26.5 0 48-21.5 48-48c0-5.6-1-11-2.7-16H432c26.5 0 48-21.5 48-48c0-12.8-5-24.4-13.2-33c25.7-5 45.1-27.6 45.2-54.8v-.4c-.1-30.8-25.1-55.8-56-55.8c0 0 0 0 0 0l-120 0z"></path></svg>Find local help</a><div class="index-module--small-business-link-container--f4d08 index-module--hero-card-offset--0--c54eb"><a class="index-module--small-business-link--403c9" href="/small-businesses/">Get small business coverage info</a></div></div></div></div></section><section class="index-module--ribbon-banner-container--9f925"><div class="index-module--ribbon-banner--9c1de ds-l-container"><h2>Lost Medicaid or CHIP? Get Marketplace coverage</h2><a class="ds-c-button ds-c-button--alternate index-module--ribbon-banner-cta--1e0bc ds-c-button--solid" href="/medicaid-to-marketplace/">Learn more</a></div></section><section class="index-module--clickable-cards-container--0e634 ds-l-container"><div class="ClickableCard-module--clickable-card--bce8d"><span class="ClickableCard-module--icon-container--8b776"><svg aria-hidden="true" focusable="false" data-prefix="fad" data-icon="user-check" class="svg-inline--fa fa-user-check ClickableCard-module--icon--48ece" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 512" prefix="fad"><g class="fa-duotone-group"><path class="fa-secondary" fill="currentColor" d="M224 256A128 128 0 1 0 224 0a128 128 0 1 0 0 256zm-45.7 48C79.8 304 0 383.8 0 482.3C0 498.7 13.3 512 29.7 512H418.3c16.4 0 29.7-13.3 29.7-29.7C448 383.8 368.2 304 269.7 304H178.3z"></path><path class="fa-primary" fill="currentColor" d="M625 143c9.4 9.4 9.4 24.6 0 33.9L497 305c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L591 143c9.4-9.4 24.6-9.4 33.9 0z"></path></g></svg></span><a class="ClickableCard-module--link--0d497" href="/lower-costs/">Check if you qualify for savings</a><p class="ClickableCard-module--description--abd9e">Save money on your Marketplace plan costs.</p></div><div class="ClickableCard-module--clickable-card--bce8d"><span class="ClickableCard-module--icon-container--8b776"><svg aria-hidden="true" focusable="false" data-prefix="fad" data-icon="file-arrow-up" class="svg-inline--fa fa-file-arrow-up ClickableCard-module--icon--48ece" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 384 512" prefix="fad"><g class="fa-duotone-group"><path class="fa-secondary" fill="currentColor" d="M0 64C0 28.7 28.7 0 64 0H224V128c0 17.7 14.3 32 32 32H384V448c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V64zM216 392V289.9l31 31c9.4 9.4 24.6 9.4 33.9 0s9.4-24.6 0-33.9l-72-72c-9.4-9.4-24.6-9.4-33.9 0l-72 72c-9.4 9.4-9.4 24.6 0 33.9s24.6 9.4 33.9 0l31-31V392c0 13.3 10.7 24 24 24s24-10.7 24-24z"></path><path class="fa-primary" fill="currentColor" d="M384 160H256c-17.7 0-32-14.3-32-32V0L384 160zM216 392c0 13.3-10.7 24-24 24s-24-10.7-24-24V289.9l-31 31c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l72-72c9.4-9.4 24.6-9.4 33.9 0l72 72c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0l-31-31V392z"></path></g></svg></span><a class="ClickableCard-module--link--0d497" href="/verify-information/">Discover how to submit documents</a><p class="ClickableCard-module--description--abd9e">Get tips to confirm info on your application.</p></div><div class="ClickableCard-module--clickable-card--bce8d"><span class="ClickableCard-module--icon-container--8b776"><svg aria-hidden="true" focusable="false" data-prefix="fad" data-icon="clipboard-list" class="svg-inline--fa fa-clipboard-list ClickableCard-module--icon--48ece" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 384 512" prefix="fad"><g class="fa-duotone-group"><path class="fa-secondary" fill="currentColor" d="M113.2 66.3c.1-.8 .3-1.6 .4-2.3H64C28.7 64 0 92.7 0 128V448c0 35.3 28.7 64 64 64H320c35.3 0 64-28.7 64-64V128c0-35.3-28.7-64-64-64H270.4c.2 .8 .3 1.6 .4 2.3C290.1 72.6 304 90.7 304 112v24c0 13.3-10.7 24-24 24H192 104c-13.3 0-24-10.7-24-24V112c0-21.3 13.9-39.4 33.2-45.7zM72 272a24 24 0 1 1 48 0 24 24 0 1 1 -48 0zm104-16H304c8.8 0 16 7.2 16 16s-7.2 16-16 16H176c-8.8 0-16-7.2-16-16s7.2-16 16-16zM72 368a24 24 0 1 1 48 0 24 24 0 1 1 -48 0zm88 0c0-8.8 7.2-16 16-16H304c8.8 0 16 7.2 16 16s-7.2 16-16 16H176c-8.8 0-16-7.2-16-16z"></path><path class="fa-primary" fill="currentColor" d="M113.2 66.3C119.6 28.7 152.5 0 192 0s72.4 28.7 78.8 66.3C290.1 72.6 304 90.7 304 112v24c0 13.3-10.7 24-24 24H192 104c-13.3 0-24-10.7-24-24V112c0-21.3 13.9-39.4 33.2-45.7zM216 80a24 24 0 1 0 -48 0 24 24 0 1 0 48 0zM72 272a24 24 0 1 1 48 0 24 24 0 1 1 -48 0zm0 96a24 24 0 1 1 48 0 24 24 0 1 1 -48 0z"></path></g></svg></span><a class="ClickableCard-module--link--0d497" href="/reporting-changes/which-changes-to-report/">Learn how to report changes</a><p class="ClickableCard-module--description--abd9e">Know which changes to report and how to report them.</p></div></section><section class="index-module--featured-items-container--4964b ds-l-container"><div class="FeaturedItem-module--featured-item--9f98a"><img src="/assets/learn/static/featured/oe-starts-homepage-feature1.jpg" alt="" class="FeaturedItem-module--image--303c7" title="Four friends outside with laptop, ipad, and coffee"/><div class="FeaturedItem-module--link--d15f1"><a href="/quick-guide/getting-marketplace-health-insurance/">Get coverage in 4 steps</a></div><p class="FeaturedItem-module--description--aadb1">New to the Marketplace? Applying could be easier than you think.</p></div><div class="FeaturedItem-module--featured-item--9f98a"><img src="/assets/learn/static/featured/updatedshutterstock_1518605573-746px.jpg" alt="" class="FeaturedItem-module--image--303c7" title="Person in red shirt on computer looking right"/><div class="FeaturedItem-module--link--d15f1"><a href="/choose-a-plan/comparing-plans/">Check what to consider when picking a plan</a></div><p class="FeaturedItem-module--description--aadb1">Make sure you get the right plan for you, including any savings you may qualify for.</p></div><div class="FeaturedItem-module--featured-item--9f98a"><img src="/assets/learn/static/featured/oe-starts-topics-image3.jpg" alt="" class="FeaturedItem-module--image--303c7" title="Person with glasses paying online with credit card"/><div class="FeaturedItem-module--link--d15f1"><a href="/apply-and-enroll/complete-your-enrollment/">Pay your first premium to your insurance company to start 2025 coverage</a></div><p class="FeaturedItem-module--description--aadb1">Learn how to check if your plan coverage started and how to get to your plan’s website to pay your premium.</p></div><div class="FeaturedItem-module--featured-item--9f98a FeaturedItem-module--no-image--b29ab"><div class="FeaturedItem-module--link--d15f1"><a href="/court-decisions/">Recent court decisions about nondiscrimination</a></div><p class="FeaturedItem-module--description--aadb1">Find information on recent court decisions about nondiscrimination in health programs.</p></div></section><div class="index-module--updates-and-blog-container--62ed0 ds-l-container"><div class="ds-l-row"><section class="ds-l-md-col--6"><div class="ImportantNews-module--icon-container--df21f"><svg xmlns="http://www.w3.org/2000/svg" width="123" height="98" viewBox="0 0 123 107" fill="none"><path d="M116.563 21.6593C110.723 11.7337 100.894 4.23687 90.2871 1.46833C79.747 -1.36152 68.4233 0.591075 57.8134 1.60511C47.1318 2.61678 37.2333 2.7512 27.0513 5.72254C16.8544 8.62549 6.47097 14.5022 2.62598 23.0082C-1.29112 31.585 1.34515 42.7936 3.19551 54.0684C4.88173 64.7486 5.80442 75.4877 10.98 83.4801L17.4264 90.3729C23.5843 95.1979 31.906 98.5419 40.5808 101.402C52.332 105.317 64.7228 108.357 75.2604 105.454C85.8698 102.482 94.6292 93.6369 102.747 84.4657C110.865 75.2945 118.343 65.6942 121.263 54.7523C124.111 43.8689 122.33 31.5851 116.563 21.6593Z" fill="#1F4A68"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M44.0264 43.9156C42.6599 45.2968 40.6667 47.3114 39.114 47.5786C37.5653 47.8985 35.3272 46.6848 33.7927 45.8527C33.4756 45.6808 33.1885 45.5251 32.9438 45.4026C22.4847 40.1733 20.9756 39.3417 18.7308 38.1048C18.5536 38.0071 18.3718 37.907 18.1807 37.8019C17.6851 37.5242 17.3692 37.0266 17.3245 36.4374L17.2097 34.9245C17.0496 32.8144 18.6538 30.7741 20.7911 30.3695L54.3437 24.0184C56.481 23.6138 58.345 24.9975 58.5051 27.1076L58.6199 28.6206C58.6646 29.2098 58.4327 29.8191 57.9921 30.266C57.8618 30.3993 57.7365 30.5278 57.6141 30.6532C55.5539 32.7644 54.3377 34.0108 44.784 43.1614C44.5645 43.3717 44.3088 43.6301 44.0264 43.9156ZM58.9752 34.732C58.9448 34.3301 58.4587 34.181 58.1631 34.4949C56.463 36.265 54.2116 38.5389 46.4383 46.1779C46.2025 46.4103 45.9394 46.6833 45.6525 46.9809C44.0573 48.6357 41.7274 51.0526 39.2835 51.4949C36.8534 51.9699 34.2719 50.5214 32.4466 49.4972C32.1204 49.3142 31.8184 49.1447 31.5457 49.0022C22.8524 44.4859 20.3178 43.1279 18.4017 42.0437C18.0596 41.8507 17.6169 42.1676 17.6479 42.5777L18.9169 59.3424C19.0814 61.5159 20.9503 62.9502 23.0893 62.5446L56.6683 56.1766C58.8073 55.771 60.4093 53.6784 60.2448 51.5049L58.9752 34.732Z" fill="#EB6941"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M94.4098 22.0414L72.0929 18.88C69.4527 18.506 67.1972 20.4417 67.0572 23.2016L64.8602 66.5266C64.7203 69.2865 66.7487 71.829 69.3889 72.203L91.7058 75.3645C94.3459 75.7385 96.6015 73.8027 96.7415 71.0429L98.9385 27.7179C99.0784 24.958 97.0499 22.4154 94.4098 22.0414ZM80.1472 70.9657C78.4138 70.7197 77.0875 69.0538 77.1793 67.2378C77.2712 65.4218 78.7458 64.1533 80.4793 64.3993C82.2127 64.6453 83.539 66.3112 83.4472 68.1272C83.3553 69.9432 81.8807 71.2117 80.1472 70.9657ZM91.2806 61.7142C91.9364 61.8072 92.5013 61.3218 92.5361 60.6356L94.1789 28.1976C94.2137 27.5114 93.7056 26.8739 93.0498 26.7809L73.1789 23.9635C72.5232 23.8705 71.9582 24.3559 71.9235 25.0421L70.2806 57.4801C70.2459 58.1663 70.754 58.8038 71.4097 58.8968L91.2806 61.7142Z" fill="#C5DFF1"></path></svg></div><h2 class="ImportantNews-module--title--c0329">Get important news &amp; 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