The Affordable Care Act (ACA), nicknamed Obamacare, is a law that requires most Americans to have health insurance or pay a penalty.
Health Insurance Marketplaces, or exchanges, were created by the ACA to provide health plan shopping and enrollment services to individuals, families and small businesses. HealthCare.gov is operated by the federal government and a few states run their own state Marketplaces.
When you purchase health insurance from a Marketplace, you may qualify for a Premium Tax Credit (PTC) to help make your health coverage more affordable.
You can purchase health insurance during a yearly open enrollment period that runs from November 1 through January 31. The only other time you may be able to enroll is when you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.
To show you had health insurance coverage for 2018, go to the Health Insurance section under Federal. If you tell us you didn’t have health insurance coverage or only had it for part of 2018, we'll check to see if you had a situation that qualifies for a penalty exemption.