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
Georgia
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.
Idaho
Kentucky
Maine
Maryland
Massachusetts
Minnesota
Nevada
New Jersey
New Mexico
New York
Pennsylvania
Rhode Island
Vermont
Virginia
Washington