Most Americans get insurance through their job, where the employer typically pays a portion of the premium. 3. Compare Plan Types

A window outside of Open Enrollment triggered by "qualifying life events," such as getting married, having a baby, or losing existing coverage . 2. Choose Where to Shop

Plans are categorized by how they manage their provider networks: Primary Care Physician (PCP) Required? Referral Needed for Specialist? Out-of-Network Coverage? No (Except emergencies) PPO Yes (At a higher cost) EPO No (Except emergencies) POS Yes (At a higher cost) How to Get Marketplace Health Insurance | HealthCare.gov

The official government platform ( HealthCare.gov ) for individual and family plans. This is the only place to qualify for premium tax credits that lower your monthly costs.