How can I get lower costs on Marketplace coverage?

When you use the Health Insurance Marketplace you may be able to get lower costs on monthly premiums or out-of-pocket costs, or get free or low-cost coverage.

3 ways to save on health care coverage

You can save money in the Health Insurance Marketplace 3 ways. All of them depend on your income and family size.

1. You may be able to lower costs on your monthly premiums when you enroll in a private health insurance plan. These plans all cover essential health benefits andpre-existing conditions.
2. You may qualify for lower out-of-pocket costs for copayments, coinsurance, anddeductibles.
3. You or your child may get free or low-cost coverage through Medicaid or theChildren's Health Insurance Program CHIP. Some states will be expanding Medicaid eligibility in 2014, so you may qualify even if you have been turned down for Medicaid in the past.

When you fill out your Health Insurance Marketplace application as soon as October 1, you'll find out what plans and premiums are available to you and see how much you will save. Most people who apply will qualify for lower costs of some kind. Coverage can begin as soon as January 1, 2014.

Get an estimate of your costs and savings now

Until October 1, you can get a rough estimate of your potential costs and savings by using the Kaiser Family Foundation calculator.

Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)