Member Services: 877-514-2442

HOW TO ENROLL IN HEALTH INSURANCE

STEP 1
Determine if you are allowed under law to enroll in health insurance coverage at this time. The new health care law limits the months individuals can enroll in health insurance to the annual “open enrollment” period. From November through January, everyone is allowed to enroll in or change health insurance coverage. If is it outside this period, you must be eligible for a Special Enrollment Period to apply for or change coverage.

STEP 2
Click the blue “Get a Quote” button to the right.  Hitting this button will enable you to compare our rates and plans.

STEP 3
To get an accurate quote, we need your zip code, start date and birth date. Click the “Add Spouse” or “Add Dependent” buttons for everyone that will be covered under your policy, and add their information as well. Then click “next”. If at any point you get stuck or need help with your application, you can contact our Sales Department at 855.494.2667.

STEP 4
The page that follows will help you estimate whether you may be eligible for a tax credit to help offset the cost of your coverage. Advanced Premium Tax Credits (APTC) are credits issued by the Internal Revenue Service that are sent directly to health insurance companies to lower the monthly costs for health coverage. Enter the information and hit “Submit” to see the results on the “Eligibility Summary Page.” This page also helps you estimate a tax penalty for not having insurance. Any information about your tax credit is only an estimate and must be verified on healthcare.gov.

If think you are eligible for a tax credit, click here to continue.

STEP 6
Find the “Marketplace” button on the results page which will automatically take you to Healthcare.gov to register for an account and choose your insurance through the federal Marketplace. Although you may start and finish your application from Common Ground Healthcare Cooperative’s website, you must go through certain application steps on Healthcare.gov because it’s the only way you can receive a tax credit to help you pay for your coverage.

STEP 7
If you’d like an overview of the Marketplace application process before you being, visit this page and take a look at this checklist. Keep in mind that Common Ground Healthcare Cooperative and the Marketplace (also known as Healthcare.gov) are separate organizations. Healthcare.gov is operated by the federal government, so if you run into any trouble with your Marketplace application you should call their help center at 800.318.2596.

STEP 8
A few tips. You’ll want to enter a pretty close estimate of your income for your Marketplace application for the year in which you apply for coverage. This page has information about how best to do that. If you receive a tax credit and your estimate is too low, you may owe more on your tax return.

You can also get in person assistance with your Marketplace application. Did you know that the services of a health insurance agent are provided at no charge to you? Health insurance agents can help you choose a plan with medical and pharmacy benefits and a provider network that fits your needs. If you’d like a recommendation, you can contact our Sales Department at 855.494.2667.

STEP 9
Once you enter all your information for the Marketplace application and hit submit on your application, you will be returned to our website where you can make your first payment. Remember, you coverage will not become effective until you make your first payment, so you’ll want to do this right away. If you choose to wait, you will receive an email from us with information on how to make a payment as well as an invoice in the mail.

STEP 10
Once you make your first payment, you will be one of 20,000+ owners of a non-profit, member governed insurance company.  Watch your email and mail for important information, including your ID card and member handbook which should arrive within two weeks of your application.

If you’re certain that you are not eligible for a tax credit, click here to continue.

STEP 5
If you’re not eligible for a tax credit, you can proceed with enrolling in coverage online through our website. Click the “Browse Plans” button at the bottom of the Eligibility Summary page. It will take you to a new page where you can browse and select your plan. Once you select your plan, you will once again be able to choose whether you want to purchase insurance through the federal Marketplace or directly from us. If you’re not getting a tax credit, there is no advantage of purchasing through the federal Marketplace, so we suggest hitting the “Start Your Application” button.

STEP 6
If you are a new user, click the “Register Here” button to create an account on our secure site. If you have registered before, you can simply log in. If you have not registered, enter a user name and password you will remember, and answer the security questions so you can reset your password if needed.

STEP 7
If you are trying to apply outside the November-January open enrollment period, the next page will ask you whether you are eligible for a Special Enrollment Period. If you are not eligible for a Special Enrollment Period, you must wait until the Open Enrollment starts in November to apply for coverage. If you are eligible for special enrollment, you must upload documentation that proves that you are eligible. You won’t see this page at all during Open Enrollment.

STEP 8
Proceed with your application. The only remaining information we will need is the address and social security number for each applicant, plus information about any other coverage you or your dependents may have. Enter this information on each page and hit the “Complete this Section” when you are finished. This will bring you to a review page where you can review your plan selection and the information you entered.

STEP 9
Click “Proceed to Signature” to arrive at the page where you actually apply for coverage. Type your name on the signature line and then hit “Continue to Payment Options.” There, you will be able to pay for your first month’s premium or set up recurring payments on the spot.

STEP 10
Once you make your first payment, you will be one of 20,000+ owners of a non-profit, member governed insurance company.  Watch your email and mail for important information, including your ID card and member handbook which should arrive within two weeks of your application. Do not proceed to Step 11 – you’re done!

STEP 11
Find the “Marketplace” button on the results page which will automatically take you to Healthcare.gov to register for an account and choose your insurance through the federal Marketplace. Although you may start and finish your application from Common Ground Healthcare Cooperative’s website, you must go through certain application steps on Healthcare.gov because it’s the only way you can receive a tax credit to help you pay for your coverage.

STEP 12
If you’d like an overview of the Marketplace application process before you being, visit this page and take a look at this checklist. Keep in mind that Common Ground Healthcare Cooperative and the Marketplace (also known as Healthcare.gov) are separate organizations. Healthcare.gov is operated by the federal government, so if you run into any trouble with your Marketplace application you should call their help center at 800.318.2596.

STEP 13
A few tips. You’ll want to enter a pretty close estimate of your income for your Marketplace application for the year in which you apply for coverage. This page has information about how best to do that. If you receive a tax credit and your estimate is too low, you may owe more on your tax return.

You can also get in person assistance with your Marketplace application. Did you know that the services of a health insurance agent are provided at no charge to you? Health insurance agents can help you choose a plan with medical and pharmacy benefits and a provider network that fits your needs. If you’d like a recommendation, you can contact our Sales Department at 855.494.2667.

STEP 14
Once you enter all your information for the Marketplace application and hit submit on your application, you will be returned to our website where you can make your first payment. Remember, you coverage will not become effective until you make your first payment, so you’ll want to do this right away. If you choose to wait, you will receive an email from us with information on how to make a payment as well as an invoice in the mail.

STEP 15
Once you make your first payment, you will be one of 20,000+ owners of a non-profit, member governed insurance company.  Watch your email and mail for important information, including your ID card and member handbook which should arrive within two weeks of your application.