How You Can Enroll
Whether your state uses the Federally Facilitated Marketplace (FFM) or a state-based marketplace (SBM) determines how you enroll in an Individual and Family Plan. States may change the type of marketplace they operate, which can affect enrollment processes and available support options.
Federally Facilitated Marketplace
The Federally Facilitated Marketplace (FFM) is a health insurance marketplace operated by the U.S. Department of Health and Human Services (HHS). Employees and individuals can apply for Qualified Health Plans (QHPs) through the FFM.
Depending on income and household, eligible applicants may qualify for Premium Tax Credits (PTCs), which help lower premium costs. Some individuals may also qualify for cost-sharing reductions (CSRs), which reduce out-of-pocket costs such as deductibles, copays, and coinsurance.
These financial assistance options help make health coverage 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 (TTY: 711) for assistance.
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) is a health insurance marketplace in which the state government oversees both the regulation of health plans and the enrollment and eligibility platform. If you reside in one of these states, please call us at 1-866-322-2824 (TTY: 711) for assistance.
States with SBMs:
California
Colorado
Connecticut
D.C.
Georgia
Idaho
Illinois
Kentucky
Maine
Maryland
Massachusetts
Minnesota
Nevada
New Jersey
New Mexico
New York
Pennsylvania
Rhode Island
Vermont
Virginia
Washington