Open Enrollment for 2023 coverage starts November 1! Find out what you can do today to make applying easier.

Here’s what you can do to prepare:

• Learn how to apply for coverage.
• Find out if you might qualify for savings – most people do! (Check back soon to preview 2023 plans, with price estimates based on your income.)
• Gather everything you’ll need before you apply (PDF, 160 KB). Your Marketplace application will ask for some basic information about you and your household.

Get more tips to help you get ready to apply for 2023 health plans.

The Centers for Disease Control and Prevention (CDC) recommends everyone 6 months and older get a flu shot every year by the end of October. Getting a flu shot is the best way to protect yourself and your loved ones from the flu and its potentially serious complications. With Marketplace insurance, immunizations are a covered preventive care benefit. This means your flu shot is free from a provider in your plan’s network.

3 ways the flu shot helps support healthy families

• It’s a simple way to protect yourself and your loved ones. Every year, the flu vaccine prevents millions of illnesses and flu-related doctor visits.
• It helps protect people with certain chronic conditions, like heart disease, lung disease, and diabetes from serious illness and hospitalization.
• Getting a flu shot during pregnancy helps provide protection during and after pregnancy. It also helps protect the baby from the flu for several months after birth.

Learn more about the benefits of getting a flu shot from the CDC.

If you need 2023 health coverage, here are some important dates to mark on your calendar:

Key dates for Marketplace coverage

• Open Enrollment starts Tuesday, November 1.
• Enroll by Thursday, December 15, 2022 for coverage that starts January 1, 2023.
• Open Enrollment ends Sunday, January 15, 2023.

Looking for coverage for the rest of 2022?

• Find out if you can apply through a Special Enrollment Period.
• You can also enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time, if you’re eligible. Coverage can begin immediately.

Get steps for how to apply and enroll.

There are 10 categories of services — called essential health benefits — that all private health insurance plans offered in the Health Insurance Marketplace® must cover.

What are the 10 essential health benefits?

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Pregnancy and newborn care (both before and after birth)
• Mental health and substance use disorder services, including behavioral health treatment, counseling, and psychotherapy
• Prescription drugs
• Rehabilitative and habilitative services and devices
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care (this doesn’t include adult dental or vision coverage)

What else does the Marketplace cover?

• Marketplace plans must also offer birth control and breastfeeding coverage.
• Some Marketplace plans may have dental and vision coverage too, but these benefits aren’t required.
• Call your plan to check if it covers a particular service.

Get more information on what Marketplace health insurance plans cover.

Moving can be an exciting time. As you get ready for your move, it’s important to remember moving may impact your health insurance coverage options and savings. Don’t forget to update your application to get the best plan and right amount of savings available to you and your household in your new area.

Your next steps depend on where you move

When you move to a new state:

• You can’t keep the same plan from your old state. It’s important to let us know about out-of-state moves right away, so you don’t have a break in coverage and continue to pay for coverage that doesn’t apply in your new state.
• To get coverage in your new state, you need to start a new Marketplace application and enroll in a plan in your new state. How you apply depends on whether your new state uses HealthCare.gov or its own website.
• Apply for Marketplace coverage in your new state.

If you move within the same state:

• Your coverage options and savings probably won’t change based on your new address. But you should still let us know, so we know how to reach you.
• Here’s how to update your address online.

Learn more about how to make updates to your Marketplace coverage when your income or household changes.