Frequently asked questions about Health Insurance


For purposes of the Marketplace, "incarcerated" means serving a term in prison or jail. It does not include being parole, probation or home confinement.

Incarceration doesn’t mean living at home or in a residential facility under supervision of the criminal justice system, or living there voluntarily. In other words, Incarcerated means being held but not convicted of a crime.

You’re not considered incarcerated if you’re in jail or prison pending disposition of charges—in other words, being held but not convicted of a crime. If you’re incarcerated, you can’t use the Marketplace to buy a private insurance plan. If you're RELEASED from incarceration, you can apply for health coverage through our quote engine.

When you apply for health coverage after being released from incarceration, you may qualify for lower costs on monthly premiums and out-of-pocket costs. This will depend on your household size and income during the year you’re seeking coverage.

After you’re released, you have a 60-day Special Enrollment Period to sign up for private health coverage. During this time, you can enroll in private health insurance even if it’s outside the Marketplace open enrollment period.

After this 60-day Special Enrollment Period, you can’t buy private health insurance until the next Marketplace open enrollment period (unless you qualify for another Special Enrollment Period).

During your incarceration, you don't have to pay the penalty for having no coverage. But after you're released, you must either have health coverage or pay a fee.

Once you go through our Quote Engine, you can qualify for lower costs on monthly-premiums and out-of-pocket costs depending on your household size or income.

After you’re released, you must either have health coverage, pay the fee, or get an exemption.