HealthCare.gov is a health insurance exchange website operated under the United States federal government under the provisions of the Patient Protection and Affordable Care Act, which currently serves the residents of the U.S. states which have opted not to create their own state exchanges.
A continuación, se detalla un desglose de lo que generalmente presentan varios tipos de planes. A medida que lea sobre cada tipo de plan, recuerde que el mercado actual de cobertura de salud habitualmente ofrece "mezclas" de estos tipos tradicionales. *Las primas mensuales representan el costo total para un solo empleado (aportes del empleador y del empleado). Si comparte los costos de las primas con el empleado, sus costos comerciales serán menores.
You should fill out an “Employer Coverage Tool” for each member of your family who’s eligible for a job-based plan, even if that person isn’t enrolled in the job based plan or isn’t applying for Marketplace coverage. You can get this information from your employer. This optional tool helps you gather information you may need for your application in one spot.
To get a copy of this form, visit HealthCare.gov/downloads/employer-coverage-tool.pdf. Your employer can help you fill this out.
Your Marketplace application will ask you to enter information about offers of health coverage you may have through your job or through a family member’s job. It will also ask you to enter employer contact information for each person in your household who has a job.
Your Marketplace application will ask if anyone in your household is currently enrolled in health coverage, including Medicaid, the Children’s Health Insurance Program (CHIP), Medicare, TRICARE, VA health care program, Peace Corps, or coverage through individual insurance (including Marketplace coverage) or an employer.
If anyone has coverage now, gather their policy numbers. You can find this information on their insurance card or documents they get from their plan.
Your Marketplace application may ask you to estimate what your household’s income will be in the year you’ll be covered.
If you’re not sure, it’s okay to make your best estimate. If your income changes, or is different than what you estimated, you’ll need to update this information later. For more information, visit HealthCare.gov/reporting-changes/why-report-changes.
To help you make a ballpark estimate of your household income, visit HealthCare.gov/income-and-household-information/how-to-report.
Your Marketplace application may ask you about the income, expenses, and deductions of everyone in your household, even those not applying for coverage.
The Marketplace accounts for income sources, including:
- Wages and salaries, as reported on your W-2 form and pay stubs
- Net income from any self-employment or business
- Unemployment compensation
- Social Security payments, including disability payments (but not Supplemental Security Income (SSI))
- Retirement or pension income, including most IRA or 401k withdrawals
- Investment income, like dividends or interest
- Rental income
- Other taxable income
For more information on income or what income sources to include, visit HealthCare.gov/income-and-household-information/income.
If you file federal income taxes and are married, the Marketplace needs to know if you file separately or jointly. You’ll also be asked about who you claim as a tax dependent.
If you or anyone else on your application is a documented immigrant, you’ll be asked to provide information from your immigration documents.
If a professional is helping you complete your application, you’ll need to enter their information. These professionals include: navigators, certified application counselors, in-person assistance personnel, agents, and brokers.