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Healthcare.gov customer service

Contact information related to Healthcare.gov customer service, customer support and technical support can be found below. Please feel free to update any of the Healthcare.gov customer support information we have to make sure our site is kept as current as possible.

Customer Service

Phone: 800-318-2596

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    • Speak “representative” until transferred
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FAQs

How can I contact Healthcare.gov customer service for help with my application or account?

You can reach Healthcare.gov customer service by calling their toll-free number at 1-800-318-2596, which is available 24 hours a day, 7 days a week, except on federal holidays. This number connects you to the Health Insurance Marketplace where trained representatives can assist you with creating or accessing your account, updating your application, answering questions about plan options, resolving technical issues, and walking you through enrollment steps. For those who are hearing impaired, there’s TTY service available at 1-855-889-4325. If you prefer not to call, you can also access online help through the official Healthcare.gov website, which includes a live chat feature, help articles, and a contact form for less urgent requests.

The Open Enrollment Period (OEP) for Healthcare.gov typically runs from November 1 to January 15 each year. During this time, anyone eligible can apply for a new health insurance plan, renew an existing plan, or make changes to their coverage. If you want coverage to begin on January 1, you generally need to enroll by December 15. Any applications submitted between December 16 and January 15 will usually have a February 1 start date. Outside of this window, you’ll need to qualify for a Special Enrollment Period (SEP) due to life changes such as marriage, job loss, childbirth, or moving to a new state. It’s essential to mark these dates and act quickly to avoid gaps in health coverage.

When applying for health insurance through Healthcare.gov, it’s important to have the right documents on hand to avoid delays or rejections. You’ll need your Social Security number, income details (such as pay stubs or W-2 forms), immigration documents if applicable, and current health insurance information if you’re changing plans or switching from employer coverage. If you’re applying for multiple family members, have everyone’s information ready. Some applications also require you to verify your household size and income if you’re applying for savings or Medicaid eligibility. You can upload documents directly to your online account or mail them if requested by Healthcare.gov. Keeping digital copies on your computer or mobile device can speed up the process.

If you’ve forgotten your Healthcare.gov username or password, don’t worry—it’s easy to reset. Visit Healthcare.gov, click the “Log In” button, and then choose “Forgot your username?” or “Forgot your password?” depending on your issue. You’ll need to enter your email address or answer security questions you set when you created your account. After verifying your identity, you’ll receive a link to reset your login information. If you continue to have trouble, you can call Healthcare.gov’s customer service line for live assistance. It’s a good idea to write down or securely save your login details after resetting them to avoid repeating the process.

If you’ve already enrolled in a Marketplace plan through Healthcare.gov and experience a change in your life that could affect your coverage or savings—such as a new job, marriage, birth of a child, or moving—you must report it as soon as possible. Log in to your account, go to your existing application, and select “Report a Life Change.” Depending on the change, you may qualify for a Special Enrollment Period or need to update your premium tax credit. Reporting changes promptly ensures you avoid coverage gaps, tax issues, or billing errors. If you’re unsure what qualifies as a change, Healthcare.gov offers guidance and customer service reps can help walk you through it.

Healthcare.gov offers a built-in calculator to help you estimate your eligibility for premium tax credits and other savings before applying. These subsidies are based on your household income and size, as well as the federal poverty level for your state. You’ll input your estimated income for the coverage year, and the system will provide a rough estimate of your monthly premium after tax credits are applied. Many people are surprised to find they qualify for significant assistance, and in some cases, plans may be available at very low or even zero monthly cost. It’s important to provide accurate income information to avoid owing money during tax season.

A Special Enrollment Period (SEP) allows you to enroll in a health insurance plan outside of the annual Open Enrollment Period if you experience certain qualifying life events. These include events like losing other health coverage, getting married or divorced, having a baby or adopting a child, moving to a new ZIP code, or gaining citizenship. In most cases, you’ll have 60 days from the date of the qualifying event to enroll in a plan. To take advantage of an SEP, log into your Healthcare.gov account, select “Report a Life Change,” and follow the prompts to update your application. You may need to submit documentation to prove the event occurred.

Healthcare.gov offers a variety of plans categorized into four “metal” tiers: Bronze, Silver, Gold, and Platinum. Bronze plans typically have the lowest monthly premiums but the highest out-of-pocket costs, while Platinum plans have the highest premiums but lowest costs when you receive care. Silver plans are unique because they are the only tier eligible for cost-sharing reductions if you qualify based on income. All plans cover essential health benefits like doctor visits, prescriptions, hospitalization, maternity care, and mental health services. When shopping, you can compare plans based on premiums, deductibles, provider networks, and customer ratings.

Yes, under the Affordable Care Act, you can stay on your parents’ health insurance plan until you turn 26 years old, even if you’re married, not living at home, or financially independent. If your parents have a Marketplace plan, they can include you on their application as a dependent. Once you turn 26, you’ll need to apply for your own health plan, and you may qualify for a Special Enrollment Period triggered by aging off your parents’ plan. It’s a good idea to begin exploring your options a month or two before your 26th birthday to avoid any gap in coverage.

While both Medicaid and Marketplace insurance provide coverage, they serve different populations and have distinct eligibility requirements. Medicaid is a state-run program for individuals and families with very low income, and eligibility is based on your current monthly income. If you qualify for Medicaid, you typically won’t pay premiums or have minimal out-of-pocket costs. Marketplace insurance, on the other hand, is for individuals who may not qualify for Medicaid but still need affordable options. Financial help is based on annual income and is designed to help middle- and low-income people pay for private insurance plans. Healthcare.gov will automatically check your eligibility for both and guide you to the right program.

If you’ve found a new job that offers health insurance and you want to cancel your Marketplace plan, you can do so by logging into your Healthcare.gov account and selecting “End/Cancel Coverage.” You’ll need to indicate the reason for cancellation and choose a date for the coverage to end—usually the day before your new coverage starts. It’s important not to cancel your plan before your job-based coverage actually begins, or you could end up with a coverage gap. If other household members still need coverage, you can cancel only your portion of the policy and keep the rest of the plan active.

Healthcare.gov offers automatic re-enrollment to ensure you don’t lose coverage if you forget to update or renew your application during the Open Enrollment Period. If your current plan is still available, you’ll typically be re-enrolled in the same or a similar plan. Your subsidy will also be recalculated using IRS data and income estimates from your prior application. While convenient, it’s strongly recommended that you log in each year to update your income and household information to avoid incorrect subsidy amounts or plan mismatches. If you want to opt out or switch plans, you must do so before the Open Enrollment deadline.

If Healthcare.gov sends you a letter requesting documents—like proof of income, immigration status, or citizenship—it’s important to respond by the deadline listed. Failure to do so may result in losing your coverage or financial help. You can upload the required documents directly through your Marketplace account, or mail them to the address provided. Make sure your documents are clear, legible, and include identifying information. If you need help uploading documents or have questions about what’s required, contact the customer service team right away to avoid delays in processing your application.

If you believe a decision made by the Marketplace is incorrect—such as a denial of coverage, subsidy amount, or plan eligibility—you have the right to file an appeal. Start by visiting Healthcare.gov and downloading the appeal request form. Fill it out completely, include supporting documents if available, and mail it to the provided address. You can also call customer service to request help with the process. Once submitted, the appeal will be reviewed, and you may receive a hearing by phone or mail. Appeals can take several weeks, so be sure to maintain your current coverage in the meantime.

Yes, if you’re self-employed or a freelancer with no employees, you can absolutely apply for health insurance through Healthcare.gov. Self-employed individuals often qualify for premium tax credits based on their projected annual income. Be sure to calculate your income accurately, including business expenses, to get the correct subsidy. If your income fluctuates, you can update it throughout the year to ensure your monthly premium stays affordable and your year-end tax reconciliation is accurate. Healthcare.gov is one of the best options for sole proprietors to find reliable, affordable health insurance without going through an employer.

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