Typically, you cannot qualify for subsidies if you are eligible for "affordable" employer insurance or Medicare. 3. Choosing a Plan (The "Metal" Levels)

Below is a guide to the enrollment process, eligibility, and choosing the right plan.

Be a U.S. citizen or be "lawfully present" (e.g., green card, certain visas). No Incarceration: Not be currently incarcerated.

Most people can only sign up during the , which typically runs from November 1 to January 15 .

How to get insurance through the ACA Health Insurance Marketplace

You can buy insurance outside these dates if you have a "qualifying life event," such as getting married, having a baby, or losing other health coverage. 2. Eligibility Requirements To buy a plan through the Marketplace, you generally must: Residency: Live in the United States.

You usually must enroll by December 15 for coverage to start on New Year's Day.