Understand how household composition, who needs coverage, healthcare priorities and expected household information can shape an ACA Marketplace coverage review.
Marketplace coverage may be explored for an individual or qualifying household members. Accurately identifying who needs coverage helps organize the application and potential savings review.
Individual Marketplace coverage for a person who needs individual-market health insurance.
Coverage needs can be reviewed together while household and other available coverage information is considered.
Households may need coverage for a parent, spouse, child or multiple family members, depending on their circumstances.
Marketplace financial assistance is generally based partly on household information and expected household income for the coverage year. This is why BenefitRoute's Coverage Navigator asks who needs coverage and household size before presenting a preliminary route.
Being part of a household does not necessarily mean every household member needs the same coverage or will enroll in the same way.
A low monthly premium alone does not tell you how a plan may work for your household throughout the year.
Marriage, birth or adoption, loss of other qualifying health coverage, certain moves and other circumstances may affect Marketplace enrollment opportunities.
Birth, adoption or qualifying foster placement can affect both household information and enrollment timing.
A household change may affect coverage needs and, depending on the circumstances, potential enrollment opportunities.
Certain losses of qualifying health coverage may create a Special Enrollment opportunity.
Learn About Special Enrollment →Tell BenefitRoute who needs coverage and what matters most to your household. We'll organize the factors worth reviewing next without making an official Marketplace eligibility determination.
Explore Coverage for My Household →