How to Enroll in Individual and Family Coverage

If you work part-time or can’t purchase insurance through your employer, you can apply for health care coverage on the Marketplace or Exchange during open enrollment from November 1, 2019 through December 15, 2019 by completing an application either online, by mail, by phone or in person with assistance.

If You Already Have Coverage and Need to Re-Enroll

If you already have coverage, you’ll have a chance to keep or change your health care plan during open enrollment on the Health Insurance Marketplace or Exchange. You can choose to stay in your current plan (if it’s still offered) or make changes. To renew or make changes, visit Healthcare.gov  and log into your Marketplace account (or BeWellNM.com in New Mexico). Even if none of your information has changed, you might be eligible for lower costs than last year!

Start Your Application

The first step to becoming insured is to create a Marketplace account at Healthcare.gov (or BeWellNM.com in New Mexico) and answer a few questions. Here’s what you’ll need:

  • Proof of U.S. citizenship: Social Security number or copy of U.S. passport for all family members
  • Immigration status/legal residency: Immigration document status numbers
  • State residency: Driver’s license, housing lease or utility bill
  • Income for all adult family members: W-2 forms or pay stubs, unemployment/disability, Social Security/pension/retirement income, or a copy of 2018 tax return
  • Current health insurance: Policy numbers for any current health insurance and information about available job-related health insurance

 

Apply for Insurance Online

The first step to becoming insured is to create a Marketplace account at Healthcare.gov (or BeWellNM.com in New Mexico) and answer a few questions. Here’s what you’ll need:

  • Your full name and a working email address
  • You’ll also have to create a username and password
  • Once you log in, you’ll answer a series of questions that’ll help you get ready to apply

Make sure you know:

  • Your current insurance status
  • How many people will be on your 2019 Federal tax return

After you answer those questions, you’ll receive information on premium tax credit eligibility and programs that might fit for you. Best of all, you’ll have your account set up and you’ll be ready to begin applying for insurance immediately.

Visit Healthcare.gov  (or BeWellNM.com in New Mexico) to apply online.

Apply by Phone

To apply by phone, call 1-800-318-2596, 24 hours a day, 7 days a week (except holidays) (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process.

In New Mexico, call 1-833-862-3935 (TTY: 1-855-851-2018).

Apply for Insurance in Person

You can also apply with the help of someone in-person who can sit with you and help you fill out a paper or online application.

In your state, there are people trained and certified to help you understand your health coverage options and enroll in a Marketplace plan. These individuals are known by different names, such as in-person or application assisters, or certified application counselors. They may also be with a government agency, such as Medicaid, Medicare and Children’s Health Insurance Program offices. All can provide the help you need with your application and choices. 

Visit Find Local Help (or BeWellNM.com in New Mexico) to find health insurance options in your state. You can search by city and state or ZIP code to see a list of local organizations with contact information, office hours and types of help offered, such as non-English language support.

Apply for Insurance by Mail

If you’re unable to access the Marketplace online, you can fill out a paper application and mail it in. Once you get your eligibility notice, you can either go online to compare, choose and enroll in a plan or contact the Healthcare.gov  call center. A customer service representative will help you. To get a paper application for your family, download the application form and instructions. In New Mexico, download the application form  from BeWellNM.com.

For more information on how to enroll for health care coverage, find the Marketplace in your state at Healthcare.gov (or BeWellNM.com in New Mexico)

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