Marketplace Application Help

Stuck on a question? Use our visual guides.

The Marketplace application includes additional questions that are not shown on this page. This guide focuses only on a few common areas where people may need extra explanation. Follow the application normally, and use the guides below when you reach one of these sections.

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This is not the entire application.

These are examples of common sections people may have questions about. You still need to complete all questions that apply to you in the Marketplace application.

Before You Begin

A few things to remember.

Your answers should reflect your actual household and circumstances.

1

Answer Truthfully

Use accurate information about your household, income, coverage and circumstances.

2

Use This When Needed

You don't need to follow this page screen by screen. Come back when you reach a section that looks familiar.

3

Ask for Help

If you're unsure what a question means, Cooper Health can help explain it.

2026 Income Guide

Wondering where your household income falls?

Household size and estimated annual household income are important parts of determining Marketplace eligibility and potential savings.

2026 household income guide

This chart is provided as a general educational reference and does not determine eligibility by itself. Marketplace eligibility, premium tax credits, plan availability and savings depend on the information submitted through the Marketplace application and applicable program rules.

Common Questions

Stuck on one of these sections?

Find the image that looks like the section you're working on. These guides focus on common areas where applicants may need extra explanation. They do not replace the full application.

1

Who's applying for coverage?

This section asks who wants coverage and whether you want to check for potential Marketplace savings.

Guide for the who's applying for coverage section
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Remember: Include the people who are applying for coverage. Household questions later in the application may ask for information about additional people.
2

Tax household questions

The application may ask about marriage, tax filing and dependents because these details can affect Marketplace eligibility.

Guide for Marketplace tax household questions
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Important: Answer the tax questions based on how you expect to file for the coverage year.
3

Income questions

The application asks about current income and estimated yearly household income.

Guide for Marketplace income questions
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Use your real information: Enter the income sources and amounts that apply to your household. Review the yearly estimate before continuing.
4

Medicaid or CHIP questions

Applicants who recently lost Medicaid or CHIP, or were recently found ineligible, may see additional questions.

Guide for Medicaid and CHIP application questions
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Have your notice nearby: If the application asks when Medicaid or CHIP ended or when you were denied, use the date from your state notice when available.
5

Existing health coverage

This part asks about existing coverage and certain employer health reimbursement arrangements.

Guide for existing health coverage questions
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Only select what applies: If you have current coverage or have been offered an HRA, answer according to your actual situation.
6

Recent life changes

Outside Open Enrollment, the application may ask whether you've experienced a recent qualifying life event.

Guide for recent qualifying life change questions
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Select only what applies: Choose the recent life change that accurately describes your situation. The Marketplace may request additional information or documentation.
Need Help?

Don't let one confusing question stop you.

If you reach a question you don't understand, you can contact Cooper Health for help understanding what the application is asking.

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Ready?

Start your Marketplace application.

Complete the application using information that accurately reflects your household and circumstances. If you run into one of the confusing sections above, return to this page for additional guidance.