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Plan ID

Each Marketplace health plan has a unique 14-character identifier that's a combination of numbers and/or letters. You can find a plan's ID below the plan name when you preview plans and prices. If you’ve already enrolled in a plan, you'll find your plan's ID in your Marketplace account under "My Plans and Programs." Note:  Your Plan ID is different from your  Application ID . Continue Reading

Application ID

Each Marketplace application has a unique identification number, or Application ID. After you apply for Marketplace coverage, you’ll get a notice with your eligibility results that contains your Application ID. You'll need your Application ID to continue with an existing application, compare plans, and complete enrollment. If you are doing this by phone, you can provide your Application ID to the Marketplace Call Center representative so they can find your application faster. If you're Continue Reading

Health Maintenance Organization (HMO)

A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness. Continue Reading

What’s the difference between insurance deductible, coinsurance, and copay?

Many people are confused about the differences between an insurance  deductible ,  co-pay  and  coinsurance . What are they and how do they differ from each other? In short, all three represent the portion of the medical bill that you are responsible for in case you get sick or injured – otherwise known as out-of-pocket expenses. However, there are some very unique differences between each one, and we are here to help guide you and understand what each word means in detail. Deductible A Continue Reading

Preferred Provider Organization (PPO)

A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost. Continue Reading

Health insurance plan & network types

There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other Continue Reading