The insurance exchanges all work on a two step process. The first step is to create an account and complete a one page identity proofing. If your application is a good match with federal and state data then you can go to the next step which is to review and select a plan.
In order to navigate the application process successfully you will need to gather some basic information before starting. Most states do not operate their own health insurance exchange. If you live in one of those states, like Oregon and Arizona, your best bet is to register on healthcare.gov. For one thing, you will find the most plans to compare on the exchange, as some companies only have their plans available on the exchange. If you need to enroll in a state that doesn't operate it's own insurance exchange you have a number of options for how to complete an enrollment. Read through the rest of this page and follow the instructions.
It's important before you start to make an estimate of your expected annual Modified Adjusted Gross Income (MAGI). Follow the instructions on AGICalc to do a little math. This is necessary to complete your application in one sitting. Then come back here for the next steps.
Once you know what your Modified Adjusted Gross Income is you can call (800) 547-1567 to complete your enrollment. You can also use Health Sherpa an online tool to helps you choose a plan and walks you through the process of creating and managing an account with healthcare.gov.
Don’t have your recent AGI? What if I don’t know my household’s recent Adjusted Gross Income?
Consider things like these for all members of your household:
Now you have an estimate of your expected income for 2017. Use this figure when asked to estimate your expected income for 2017.
Now that you know where to find the numbers please take a few moments to do a trial run using the KFF interactive subsidy calculator. Be prepared to enter this information on the application before starting your enrollment.
In the videos below learn how to get started and how an a broker can help you get coverage that works for your small business through HealthCare.gov. The Small Business Health Options Program (SHOP) Marketplace on HealthCare.gov makes it possible for small businesses to provide quality health and dental plans to their employees. SHOP is also available through the Washington Healthplanfinder. Call the number above or contact us for help. Before a broker can assist a business you must first create an account. Once the account is established by an employer your broker can take over from there. To request help enter my name Thomas Gibson and National Producer Number 6261584.