The Center for Consumer Information & Insurance Oversight has published the federal versions of the applications for health insurance through the health insurance exchanges, or marketplaces, established under the Patient Protection and Affordable Care Act. Since the majority of states are deferring to either a federally facilitated exchange or a federal partnership exchange, these applications will be widely used. States that are establishing their own state health insurance exchange may now also want to use or adapt these applications.
There are three types of applications:
- one for individuals who are eligible for subsidies of their health insurance premiums (with incomes below 400 percent of the Federal Poverty Level)
- one for families who are eligible for subsidies, and
- one for individuals and/or families seeking health insurance coverage, but not eligible for subsidies.