How You Can Enroll

Whether your state uses the Federally Facilitated Marketplace (FFM) or a state-based marketplace (SBM) determines how you enroll for an Individual and Family Plan. States are allowed to change the type of marketplace they use.

Federally Facilitated Marketplace

The Federally Facilitated Marketplace (FFM) is a health insurance marketplace managed by the United States Department of Health and Human Services (HHS). Employees and individuals can apply for a qualified health plan (QHP) through the FFM. Qualified individuals can get Premium Tax Credits (PTCs), which subsidize premiums. Additionally, eligible individuals can also use cost-sharing reductions (CSRs) to lower their out-of-pocket costs. These benefits help to make health care more affordable, especially for low-income households. If your state participates in the FFM, you can shop for plans on the website or call us at 1-866-322-2824 .

States participating in the FFM:

  • Alabama

  • Alaska

  • Arizona

  • Arkansas

  • Delaware

  • Florida

  • Hawaii

  • Illinois

  • Indiana

  • Iowa

  • Kansas

  • Louisiana

  • Michigan

  • Mississippi

  • Missouri

  • Montana

  • Nebraska

  • New Hampshire

  • North Caroline

  • North Dakota

  • Ohio

  • Oklahoma

  • Oregon

  • South Carolina

  • South Dakota

  • Tennessee

  • Texas

  • Utah

  • West Virginia

  • Wisconsin

  • Wyoming

State-Based Marketplace

A state-based marketplace (SBM) refers to a marketplace in which the state government regulates its health plan and the platform for enrollment and eligibility. If you live in one of the following states, please call us for assistance.

States with SBMs:  

  • California

  • Colorado

  • Connecticut

  • D.C.

  • Georgia

  • Idaho

  • Kentucky

  • Maine

  • Maryland

  • Massachusetts

  • Minnesota

  • Nevada

  • New Jersey

  • New Mexico

  • New York

  • Pennsylvania

  • Rhode Island

  • Vermont

  • Virginia

  • Washington


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