Four places to start
The right application depends on who needs coverage and how the coverage will be provided. Pick the choice that sounds like your situation, then use the state guides below when state rules or enrollment websites matter.
1Individual or family Marketplace planFind out whether your state uses HealthCare.gov or its own Marketplace.2Medicaid or CHIPGo to your state's public coverage program for current eligibility and application rules.3MedicareStart with Medicare if age, disability, or another qualifying condition is the reason for coverage.4Small-business coverageCompare a group plan with employer-funded reimbursement options.
Why the state matters
Every state has an official entry point for Marketplace coverage, Medicaid, and insurance help. Some states use HealthCare.gov. Others run their own Marketplace. Program names and application steps can also change from one state to the next.
The state guides identify the official Marketplace, the Medicaid status, and the Department of Insurance. Use the official program website to confirm current eligibility, deadlines, plan availability, and financial help before you enroll.