You can run a quote and apply for Marketplace health coverage directly through HealthSherpa. The process is simple, free to use, and shows the same plans and prices you’d see on the official Marketplace.
Steps to quote, apply and enroll
1. Go to HealthSherpa, enter your ZIP code and click on “see plans”.
2. Answer a few questions about your household (who needs coverage, who you plan to include on your tax return, dates of birth for household members, tobacco use, income, and current coverage).
3. Compare the available plans side by side; you’ll see estimated monthly premiums with any subsidies you qualify for already applied.
4. Select a plan and complete your application. If it’s your first time, you’ll be asked to create a secure password for your HealthSherpa dashboard.
5. After submitting your application, you’ll see next steps on your dashboard, like uploading documents if the Marketplace requests them.
What happens after you apply
If the Marketplace needs proof (for example, of income, citizenship, or loss of coverage), you’ll see a “Followups” box at the top of your dashboard where you can upload documents.
Document reviews usually take 5–10 business days for loss of coverage, and up to 30 business days for income or citizenship/immigration.
Once your documents are approved, the payment button will appear on your dashboard. Pay your first premium directly to your insurance company to activate coverage.
If your payment is made after the 1st, your coverage still backdates to the 1st of the month, and you can request reimbursement for eligible care during that time.
Tips for a smooth application
Use the income you expect for the coverage year, not last year’s.
Have Social Security numbers and immigration documents ready for anyone applying.
Preventive care is usually covered before your deductible. Copays, deductibles, and coinsurance vary by plan.
Marketplace Open Enrollment runs Nov 1–Jan 15 (for 2026 coverage, the affordability threshold for employer sponsored coverage is 9.96%).
Special Enrollment Periods are available if you have a Qualifying Life Event.
Need help?
You can call HealthSherpa Consumer Advocates at 855-772-2663 for questions or help, open Monday - Friday 6:00am - 4:00pm PT.