EXPLAINER: How to navigate Affordable Care Act enrollment

The healthcare.gov website is seen on Nov. 1, 2022 in Washington. Millions of Americans can begin selecting their 2023 health insurance plans on HealthCare.gov on Tuesday. Open enrollment begins, as the Biden administration pushes to keep the number of uninsured Americans at a record low. – The vast majority of Americans will find multiple options for health insurance coverage for 2023 on HealthCare.

While most states use the federal marketplace at HealthCare.gov, some have set up their own. These are: California, Colorado, Connecticut, Idaho, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New Mexico, New York, Pennsylvania, Rhode Island and Vermont plus the District of Columbia.and the number of people in your family. For example, individuals with an annual income between $13,590 and $54,360 are eligible for a subsidy.

And make sure to know the out-of-pocket maximum. After you hit that number, your insurance will cover 100% of costs. You’ll want to keep that number in mind if you might have big health expenses — a major surgery, childbirth or ongoing therapy or treatment — in the upcoming year. Those are “the biggest things” that Rector recommends consumers check when searching the marketplace., including preventive services, prescription drugs, mental health services and pregnancy.

“If you’re just barely making above the poverty level, you really should be buying a silver plan, with the lowest premiums, lowest deductibles,” Cox said.

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