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.

Your Marketplace application will ask you about each person in your household, even those not applying for coverage.

For the Marketplace, your household usually includes the tax filers and their tax dependents, but there are exceptions. Sometimes the Marketplace includes people you live with who aren’t in your tax household.

If you or anyone else on your application is a documented immigrant, you’ll be asked to provide information from your immigration documents.

Health maintenance organizations (HMOs) offer predictable cost-sharing and administrative simplicity for patients. These features come with fairly restrictive rules about which providers patients may see.

Preferred provider organizations (PPOs) generally offer a wider choice of providers than HMOs. Premiums may be similar to or slightly higher than HMOs, and out-of-pocket costs are generally higher and more complicated than those for HMOs.

Health Savings Accounts, or HSAs, are savings accounts that are combined with a high-deductible health plan.

A POS, or point of service plan, is a type of managed care plan that is a hybrid of HMO and PPO plans. Like an HMO, participants designate an in-network physician to be their primary care provider. But like a PPO, patients may go outside of the provider network for health care services.