You’re buying your own health insurance — or you just lost it.
A letter arrived saying your Medicaid is ending, or the premium jumped and nobody can tell you why. Either way it can be sorted out in plain language, and it costs you nothing.
Prefer to start it on your own? Start here.
None of this needs a phone call. These are the same places you would be taken anyway, so use them whenever you like — and stop at any point and ask if it stops making sense.
Browse and enroll in a marketplace plan
Compare plans and see real prices in a few minutes. The subsidy it shows you is an estimate — the exact figure depends on your tax household, and in Connecticut, New Jersey and Pennsylvania the state runs the final numbers. Finish the request anyway: it comes straight through here, and the math gets checked with you before anything is locked in.
Open the enrollment site ↗Go straight to your state’s marketplace
Connecticut, New Jersey and Pennsylvania each run their own. If you already have an account, this is where it lives.
Connecticut works differently. Access Health CT does not link a broker the same way, so do not go looking for it on your account — text us and we will tell you what Connecticut actually needs.
Not sure which of these two is yours? Text us and you get pointed to the right one, with the reason why.
Where you actually enroll
Your state runs its own marketplace, and the rules and deadlines are not the same. Advice written for the federal site will give you the wrong deadline here.
Access Health CT
Connecticut’s marketplace. Also where you go if you’ve lost HUSKY. Covered CT may make coverage free for some households.
Get Covered NJ
New Jersey’s marketplace. NJ adds state savings on top of federal subsidies, and NJ still has a state coverage penalty for going without.
Pennie
Pennsylvania’s marketplace. Where Medical Assistance ends, Pennie is where most people pick up coverage.
What usually brings people here
You lost HUSKY, NJ FamilyCare or Medical Assistance
- You have 60 days in CT, NJ and PA to pick a new plan
- The clock starts on the termination date printed on your letter — not the day you noticed
- Most people qualify for financial help they didn’t expect
- Bring the letter — the date printed on it is what matters
You’re locked out of your account
- Resetting the password usually will not fix it
- The common cause is failed identity verification
- It clears by uploading a photo ID, not by trying again
- It is a ten-minute problem, not a lost afternoon
Your plan costs too much
- Subsidies are based on estimated income — if yours changed, your help may have too
- A cheaper premium with a worse out-of-pocket max isn’t always cheaper
- Your plan gets compared against the other carriers, not just renewed
You’re self-employed or between jobs
- Losing job coverage opens a special enrollment window
- COBRA is not usually your only option, and often not the cheapest
- 1099 and gig income is completely normal here
Bring the letter, or just the question.
Five minutes is usually enough to tell whether you have options. Se habla español.