Health Insurance Exchange: 2015 Open Enrollment
Millions of Americans each year do not have access to proper health insurance and must face high medical costs in the event of any sickness or injury. In 2010, President Obama introduced the Patient Protection and Affordable Care Act (ACA), which made it possible for all Americans without health insurance to purchase comprehensive programs at a fair price. Every year, Americans may purchase health insurance under the ACA during an open enrollment period, between November 15 and December 15. If you or someone you know does not have health insurance, Benefits.gov wants to help ensure that you get the information you need to access it.

As part of the ACA, the U.S. Department of Health and Human Services (HHS) administers Healthcare.gov, the federal government's official health insurance exchange website. While on the site, you can compare health plans from a variety of providers, and based on your household income, where you live, and other basic demographic information, you may qualify for lower premiums and deductibles. If your household earns less than four times the federal poverty line, then you may also qualify for a subsidy to purchase health insurance.

Many states administer their own health insurance exchange websites; you can find out if your state has an exchange by selecting it from the drop down list on Healthcare.gov.

From now through December 15, Healthcare.gov and state health insurance exchanges are in an open enrollment period, which means you are able to apply for health plans that start on January 1, 2015. All you have to do is create an account and fill out an application, which will determine your eligibility results. Then, you can review the plans you may be eligible for, choose one, and enroll. It's easy, quick and will help you get important coverage for the medical events in your life.

If you're age 65 and older, disabled, or belong to a low-income household with children, you may qualify for other federal healthcare programs. Check out healthcare benefits on Benefits.gov and use our Benefit Finder tool to determine your eligibility.