Health Insurance Marketplace

Most people under age 65 are required to get health insurance through their employer, through Medicaid or through the Health Insurance Marketplace as part of the Affordable Care Act (ACA) also known as Obama Care.


Is the Health Insurance Marketplace for you?






  • If you’re on Medicare or insured through your employer, you do not need to do anything during ACA open enrollment


What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal government website and national call center where people can shop and apply for private health insurance. It offers new insurance choices for those who have not been able to get insurance through their work or buy it on their own.

Why should I care about the Marketplace?

  • It will help you learn if you qualify for BadgerCare.
  • It will help you find an insurance plan that fits your budget, and determine if you can get discounts or tax credits.
  • No one can be turned down because of a pre-existing condition like diabetes, asthma or mental illness.

How does the Health Insurance Marketplace work?

  • There will be different levels of cost and coverage for you to choose from.
  • The insurance plans will offer a range of covered health benefits, but they must all cover the essential benefits listed below.

►Emergency Department Visits

►Hospital care

►Maternity and new baby care

►Mental health, behavioral health and substance abuse treatment

►Prescription medicines

►Rehabilitation services and devices

►Lab tests

►Prevention and wellness services, chronic disease management like diabetes and asthma

►Children’s care, including dentist visits and eye care (glasses)


How do I access the Health Insurance Marketplace?

You can apply for health insurance by calling 800.318.2596 or visiting


Four things to know about the Health Insurance Marketplace

  1. Low cost and free plans are available, and financial help is available, based on how much money you make.
  2. No one can be turned down because of a pre-existing condition like diabetes, asthma or mental illness.
  3. All insurance plans will cover doctor visits, hospitalizations, mother & baby care, emergency room visits and prescriptions.
  4. All plans will show costs and what is covered in simple language with ‘no fine print.’


What information do I need handy in order to apply?

When you are ready to apply, you’ll need to provide some information about you and your household, including your income and any insurance you have right now. You’ll need:

  • Social Security Numbers or document numbers for legal immigrants
  • Employer and income information for every member of your household who needs coverage
  • Pay stubs or W-2 forms
  • Policy numbers for any current health insurance plans covering members of your household

BadgerCare (Medicaid) Coverage

If you are eligible for BadgerCare coverage, there is no time limit to applying for coverage. You can contact a Ministry Health Care financial counselor for assistance at 855.642.2455 (855.MHC.BILL).

If you chose to apply for BadgerCare at the Health Insurance Marketplace, you must do so during the open enrollment period by calling 800.318.2596 or visiting If you receive a letter informing you that your BadgerCare Plus or Core benefits may be ending, click here for more information.


Purchasing Private Coverage

If you are not eligible for Medicaid, you can purchase health insurance privately or through the Health Insurance Marketplace. The time to enroll for health insurance is from October 1, 2013 through March 31, 2014. You can apply by calling 800.318.2596 or visiting

Additional resources

The Health Insurance Marketplace is located at and provides many useful resources. Here are a few that might be helpful:

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