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Health insurance can protect you at any age. Know your options, whether you’re still covered through a parent’s health insurance plan or searching for your own plan.

4 health insurance options for young adults

• Your college or university. If you're in school, you may be able to enroll in a student health plan.
• A parent’s plan. If you’re under 26, you may be able to enroll in or stay covered through a parent’s health insurance plan.
• The Marketplace. If you have certain life changes, like a move, or if your income is within a certain range, you may qualify for a Special Enrollment Period to enroll in a Marketplace health plan for the rest of 2023. Get a quick overview of the Health Insurance Marketplace®.
• Medicaid. If you’re just starting out, you may qualify for free or low-cost coverage through Medicaid and if you’re eligible, you can enroll immediately.

Learn more about getting covered if you’re under 30.

The Public Health Emergency for COVID-19 is over. Your Marketplace plan may have some changes to how it covers services for COVID-19.

Coverage changes for COVID‑19

• Vaccines continue to be covered without cost sharing when delivered by an in-network provider.
• COVID-19 tests (both administered at a doctor’s office and at-home tests from a store or pharmacy) might not be covered. (To find out, check with your plan.)
• If you can’t pay your premiums, plans can end your coverage.

Learn more about these changes and your coverage options.

Be sure to let us know if your income or household size recently changed – like if you got a raise or had a baby – by updating your Marketplace application. New coverage options and savings may be available to you. You may qualify for more savings than you’re getting now, so don’t miss out.

What changes should I report?

• Income changes (like if you got a raise)
• Household changes (like if you had a baby or got married)
• Status changes (like a change in disability or citizenship status)

Get the full list of changes.

How to report changes

Report changes to the Marketplace by updating your application. You can update your application online, by phone, or in person.

To update your application online, you'll need to open your existing application and make changes.

Log in to update

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Now that you have Marketplace coverage, take advantage of the many free preventive services to help you stay healthy and get the care you need. Getting these services and making healthy lifestyle choices are key steps to good health and well-being. Check with your doctor to find out what services are right for you.

What are preventive services?

• Marketplace insurance plans cover preventive services for free when they’re delivered by a doctor or other provider in your plan’s network.
• Preventive services include screenings, check-ups, and patient counseling. These services are used to prevent illnesses, disease, and other health problems, or to detect illness at an early stage when treatment is likely to work best.

Common preventive services

• Blood pressure screenings
• Cholesterol screenings (for certain ages and people at high risk)
• Depression screenings
• Immunizations
• Obesity screenings and counseling

Get more information on preventive and wellness services for your whole household, and learn more about preventive care from the CDC.

The last day to file your 2022 federal income taxes is April 18, 2023. If anyone in your household had Marketplace health coverage in 2022, you’ll use Form 1095-A, Health Insurance Marketplace® Statement to file. (If you didn’t get Form 1095-A online or by mail, or if the information on it’s wrong, contact the Marketplace Call Center.)

How to “reconcile” on your tax return

• You’ll use your Form 1095-A to "reconcile" your 2022 premium tax credits when you file your taxes if you or anyone in your household had Marketplace coverage at any point in 2022.
• Any difference between the amount of premium tax credit you used in advance during the year and the premium tax credit you actually qualify for based on your final income will affect whether you owe money or get a refund.
• If you used premium tax credits you’ll report the excess advance payment of the premium tax credit on your tax return or file Form 8962, Premium Tax Credit (PDF, 110 KB).

Questions? Free help is available

• Use our tax tool to figure out your premium tax credit or claim an affordability exemption.
• Find out where to get free volunteer tax help.
• Learn about the IRS Free File and related services.
• Find a tax software program to help you prepare your taxes.

Life change? You may qualify for a Special Enrollment Period

Open Enrollment for 2023 ended on January 15, 2023, but you may still be able to enroll in or change Marketplace coverage if you’ve had certain life events or income. Life events that may qualify include getting married, having a baby, moving, or losing health coverage. Get a full list of qualifying life changes.

Do I qualify for a Special Enrollment Period?

• Answer a few quick questions to find out your coverage options.
• If you already know you qualify, create an account or log in to enroll in or change Marketplace coverage for 2023.
• You may be asked to submit documents to confirm your life change before you can enroll.

My income changed. Am I eligible for Medicaid or CHIP?

• When you visit our screener, we’ll also tell you if you may qualify for free or low-cost health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
• If you may qualify, we’ll send your information to your state agency. They’ll contact you with next steps.

Learn more about 2023 coverage options.

The tax filing deadline is April 18, 2023. If anyone in your household had a Marketplace plan in 2022, use Form 1095-A, Health Insurance Marketplace® Statement to file your federal taxes. You’ll get this form from the Marketplace, not the IRS. Check your Form 1095-A to make sure your information is correct. Keep it with your other important tax information.

Check your online account for Form 1095-A

If you didn’t get your Form 1095-A in the mail, or you can’t find it, check your HealthCare.gov account:

1. Log into your HealthCare.gov account.
2. Under "Your Existing Applications," select your 2022 application.
3. Select “Tax Forms” from the menu on the left.
4. Download all 1095-A forms shown on the screen.

If you still can’t find your form, contact the Marketplace Call Center.

How to “reconcile” using Form 1095-A

• You’ll use the 1095-A form to "reconcile" — check if there's any difference between the premium tax credit you got and the amount you qualify for on your taxes.
• Before you start, check the form to make sure the information is right. If you filed your taxes with an incorrect form, you may need to file an amended tax return using the correct information.
• If anything about your coverage or household is wrong, contact the Marketplace Call Center.

If you had Marketplace coverage at any point in 2022, or got premium tax credits last year, here’s what you need to know about filing your federal taxes.

1. Keep your Form 1095-A in a safe place
   • This form has information about Marketplace plans anyone in your household had in 2022. 
   • You should have already gotten Form 1095-A in the mail. It may also be available in your HealthCare.gov account.
   • If you didn’t get this form, or it's incorrect, contact the Marketplace Call Center.
2. Check that your Form 1095-A is correct
   • Make sure your household and coverage information, the "second lowest cost Silver Plan" amount, and the monthly premium are correct.
   • If you find a mistake, contact the Marketplace Call Center. We’ll send you an updated form to file.
3. "Reconcile" with your correct Form 1095-A
   • Use the information from your correct Form 1095-A to complete Part II of Form 8962 (PDF, 110 KB). 
   • Get details on how to "reconcile". 
   • If there’s a difference between the amount of premium tax credit you used during the year and the amount you actually qualify for, it will impact your refund or the amount of taxes you owe.

Congratulations on getting covered for 2023! Get answers to some common questions about health insurance, like how to find a doctor and learn what prescriptions are covered.

What prescriptions are covered by my plan?

• Your plan will help pay the cost of certain prescriptions.
• Your plan’s list of covered drugs is called a "formulary."
• Visit your plan’s website, call their Member Services, or review your Summary of Benefits and Coverage for a list of covered drugs.

How can I find a doctor in my plan? 

• Most plans give you the best price on services when you go to an "in-network" health care provider who has a contract with the plan.
• You may be able to visit doctors who aren’t in your plan’s network, but you may pay more.
• Learn how to find a doctor in your plan's network.

How do I use my coverage?

• Learn how to stay healthy and get the care you need (PDF, 698 KB). You’ll find tips on where to go for care, how to find a provider, and more.
• Get more information about using your Marketplace coverage, like filling prescriptions and getting regular and urgent care.