You may be able to buy Marketplace coverage if:
You live in the United States
You are a U.S. citizen, U.S. national, or lawfully present immigrant
Please note, DACA recipients are not eligible for Marketplace coverage as of August 25, 2025
You are not incarcerated (other than pending disposition)
Citizenship vs. Residency
To qualify for Marketplace coverage, you must meet both requirements:
Citizenship or immigration status — You must be a U.S. citizen, U.S. national, or have an eligible lawful presence status.
Residency — You must physically live in the United States and intend to reside here.
A U.S. citizen living abroad does not meet the residency requirement and cannot enroll in a Marketplace plan until they return to live in the U.S.
Special notes
You can apply even if you already have employer coverage, but you may not qualify for subsidies (premium tax credits) unless your job-based plan is unaffordable or does not meet minimum value.
Medicaid and CHIP are open to those who qualify, based on income and household size. Additionally, you will be dual screened for Medicaid/CHIP as well as Marketplace coverage when you apply through HealthSherpa.
Medicare is separate — people with Medicare are not eligible for Marketplace plans.
Quick tip
Start a Marketplace application to see your options. The system will tell you whether you qualify for a Marketplace plan, Medicaid/CHIP, or other programs.