How do I sign up, and when can I do it?

You can sign up online, by phone, or with help from a licensed agent or navigator.

The steps are simple: compare plans, choose one that fits your needs and budget, and complete the application with your household and income information.

Most people enroll during the yearly Open Enrollment Period. This is a set time each year when anyone can apply or change plans. If you miss that window, you may still be able to enroll if you qualify for a Special Enrollment Period.

You may get a Special Enrollment Period if you have a big life change, like getting married, having a baby, moving to a new area, or losing other health coverage. When one of these events happens, you usually have a limited time to sign up—so start your application as soon as you can.

Before you begin, gather basic documents like Social Security numbers (if you have them), income estimates, and the names of everyone who needs coverage. This makes the process faster and helps you get the right savings.

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