The Affordable Care Act is a sweeping federal law that aims to provide heath insurance to more Americans and promote health care services that are better, safer and less costly. It became law in March 2010. One of the law’s most important provisions – the launch of the Health Insurance Marketplace – is happening right now. Now’s the time for health care consumers to explore health insurance options under the law and sign up for coverage.

There are four basic ways to apply for health coverage through the Marketplace. Besides going online, you can use a paper application, visit a trained assistor in your community, or call the Healthcare.gov Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) to apply and enroll over the phone. Click here to learn more about how to enroll in the Marketplace.

Each state has the option of running its own Health Insurance Marketplace or joining a national marketplace. New Jersey has opted to join the national marketplace at www.Healthcare.gov. This site will provide New Jersey residents with details about their insurance options, enrollment information and other resources to make it easier to sign up for health insurance.

Have this information ready for you and anyone else in your household who needs coverage:

• Social Security number (SSN)
• Document number (if you’re an eligible immigrant who wants health coverage)
• Birth date
• Paystubs, W-2 forms, or other info about your income
• Employer’s phone number
• Policy/member numbers for any current health coverage

How the Marketplace Works
Create an account First provide some basic information. Then choose a user name, password, and security questions for added protection.	Apply Next you’ll enter information about you and your family, including your income, household size, other coverage you’re eligible for, and more. Visit HealthCare.gov to get a checklist to help you gather the information you’ll need.	Pick a plan Next you’ll see all the plans and programs you’re eligible for and compare them side-by-side. You’ll also find out if you can get lower costs on monthly premiums and out- of pocket costs.	Enroll Choose a plan that meets your needs and enroll! Coverage starts as soon as January 1, 2014.