How to Re-Enroll
Reminder: Each year between November 1 and December 15, review your application to uncover new savings options and avoid unexpected changes or costs—plans change each year, including provider networks, premiums, and coverage details.
Go to Healthcare.gov
Ensure you are on the official site: https://www.healthcare.gov.
Confirm the secure lock icon and correct URL to avoid scams.
The official website should appear like this:
Log In to Healthcare.gov
Click “Log In” (top right) and enter your existing credentials.
If you don’t remember your login and cannot reset it yourself, call the Marketplace at 1-800-318-2596 (TTY 1-855-889-4325) for assistance.
Review Household & Income Information
Confirm or update household members, SSNs, and income based on changes since last year (raises, new jobs, unemployment, or additional members).
Be sure your Gross Income is accurate—it determines your Premium Tax Credit and Cost Share Reductions. If too low, you may need to repay subsidies; if too high, you could miss savings.
Review Your Eligibility Notice
After submitting your application you’ll see an Eligibility Notice showing your estimated Premium Tax Credit (PTC) and, if applicable, Cost-Sharing Reductions (CSRs).
Verify Your Income Is Entered Correctly
This notice is based on your Gross Income. If it’s too low, you might owe money at tax time; if it’s too high, you could miss out on savings.
If the notice indicates you are eligible for Medicaid/CHIP, your application will be automatically transferred to the Department of Health and Human Resources (DHHR) for processing. That process can take up to 30 days. If DHHR has any questions, they will call you; if you have any questions about your DHHR application status, call 877-716-1212.
If additional documentation is required (for identity, income, or other factors), this notice will indicate exactly what you need to “Upload.”
Continue to Choose a Plan
Click “Continue” to reach the View Health Plans page.
Use filters to narrow plans by Metal Level, Premium Costs, Deductible, and Issuer.
Click “Add Providers” and “Add Drugs” (I put drug because that is what it says on healthcare.gov) to confirm coverage.
If a provider or medication appears not in-network, click into the plan you’re interested in, expand the “Plan Documents” dropdown, and follow the links to the insurer’s website.
On the insurer’s site, use the provider directory to verify doctors are in-network. (You can also call and ask your doctor)
Under Prescription Drug Coverage, check drug tiers:
Tier 1 (Generic Drugs)
Tier 2 (Preferred Brand Drugs)
Tier 3 (Non-Preferred Brand Drugs)
Tier 4 (Specialty Drugs)
If labeled Non-Formulary/NF, it is not covered.
Select your plan and click “Confirm & Continue.”
Add a Dental Plan (If Needed)
If your health plan does not include dental, you can select a separate dental plan:
Filter by Premium Costs, Deductible, and Issuer.
Click “Add Providers” to confirm dental coverage via the insurer’s provider directory.
Click “Confirm & Continue.”
Upload Documentation (If Needed)
Click “Menu” (three horizontal lines) in the upper right-hand corner, then select “Account Home.”
On the Account Home page, click your current year & state application (e.g., “2025 NH Application”).
Click “Application Details” to view sections for each type of document needed (identity, income, citizenship, etc.).
In each section requiring documents, click “Upload” and select the appropriate files:
Photo/scanned government ID for each household member
Pay stubs, W-2s, or tax returns for income verification
SSA-1099 or profit-and-loss statements, if flagged
Ensure each file is named clearly (e.g., “Smith_W2_2024.pdf”) so Marketplace can match it correctly.
Confirm Plans & Statement Agreements
Review selected health (and dental, if chosen) plans.
Agree to statement agreements, including:
Once you’ve submitted and made your binder payment, you’re enrolled for the effective date listed.
Monitor Documentation Status
You will receive an email notification when documentation updates.
To check directly in your account click “Messages” at the top of your Healthcare.gov account to view status.
Upload any additional requested documents if prompted.
For questions, contact Marketplace at 1-800-318-2596 (TTY 1-855-889-4325).
Make Your First Payment
Pay your binder payment online or call:
Highmark: 888-601-2109
CareSource: 833-230-2099
Delta Dental: 800-932-0783
Remember it takes up to 48 hours for your application to process before your coverage details appear with issuer.
