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Welcome to Understanding the Marketplace

The Health Insurance Marketplace is a new way to get coverage that meets your needs.

Starting October 1, 2013, you have easier access by coming to or calling our office to fill out an application and review the plan choices.

What you'll learn when you apply with UNIA for Health Insurance Marketplace:

When you use the Health Insurance Marketplace, you'll fill out an application and see all of the health plans available in your area. You'll find out if you can get lower costs on your monthly premiums for private insurance plans. You'll learn if you qualify for lower out-of-pocket costs.

The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children's Health Insurance Program (CHIP).

The Health Insurance Marketplace is sometimes known as the health insurance "exchange."

Who Qualifies for the Healthcare Market?*

Everyone can apply for the healthcare through the healthcare exchange unless you already have Medicaid or Medicare coverage that includes individuals, familiessmall and large businesses. 

Apply online, by mail, or in-person

You can apply for Marketplace coverage 3 easy ways: online, by mail or in person. You can request for an application to be mailed or you can visit our convenient location.

Compare options in the Health Insurance Marketplace

Insurance plans in the Marketplace are offered by private companies, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can't charge women more than men for the same plan.

Learn about the Marketplace in your state

While all insurance plans are offered by private companies, the Marketplace is run by either your state or the federal government. Find out if your state is operating the Marketplace by using the menu at the bottom of this page. If your state runs the Marketplace, you'll get health coverage through your state’s website, not this one.

The Marketplace simplifies getting health coverage

The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, quality, and other features important to you before you make a choice.

In the Marketplace information about prices and benefits will be written in simple language. You get a clear picture of what premiums you'd pay and what benefits and protections you'd get before you enroll. Compare plans based on what's important to you, and choose the combination of price and coverage that fits your needs and budget.

Important Dates to Remember:


Pre-Enrollment……………………….....…………………Oct. 1, 2014

Open Enrollment………………………………………...Nov. 15, 2014

Coverage Begins……………………………………….....Jan. 1, 2015





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