Determine what type of coverage you need (individual, family, employer-sponsored, Medicare/Medicaid, short-term)
Check eligibility for public programs (Medicaid, CHIP, Medicare) and employer plans
If eligible for employer coverage, enroll during the open enrollment period or a qualifying life event window
Shop for plans on HealthCare.gov (or your state marketplace) to compare premiums, deductibles, and networks
Compare plan details: monthly premium, deductible, copays/coinsurance, out-of-pocket maximum, and covered services
Confirm your preferred doctors, hospitals, and prescriptions are in-network and covered
Use available subsidies/credits if buying through a marketplace (check based on income)
Consider plan metal levels (Bronze/Silver/Gold/Platinum) and whether cost-sharing reductions apply
Review prescription drug coverage (formulary) and estimate annual medication costs
Check for special benefits you need (mental health, maternity, chronic care, telehealth, dental/vision if required)
Understand enrollment deadlines and required documents (proof of identity, income, residency, immigration status if applicable)
Apply online, by phone, or in person through a navigator/broker/assister if you need help
Select a plan and complete enrollment by the deadline
Pay the first premium (if required) to activate coverage
Keep confirmation/plan documents and save your insurer and member ID information
Update your plan during qualifying life events (job change, marriage, birth, move, income change)