What documents do I need to enroll in an ACA Marketplace plan?
To enroll in a 2027 Marketplace plan you mainly need information rather than paperwork — Social Security numbers, addresses, citizenship or immigration details, how you'll file taxes, job and income information, your best estimate of household income, and details on any health coverage you have or are offered — and a licensed agent such as United Enrollment Services at 1-866-401-4116 can tell you what to gather and walk you through the application at no extra cost. HealthCare.gov's application checklist includes "A Social Security Number (SSN) for each person," "Current citizenship and immigration information," "Information on how you'll file your taxes," "Your best estimate of your household income," "Job-based health coverage information," and a Health Reimbursement Arrangement (HRA) notice if anyone is offered one through an employer. It also asks for "Information about the professional helping you apply, if any," which is where a licensed agent's details go. If the Marketplace can't confirm something you entered, it may ask you to send documents about your income, citizenship, or immigration status by the deadline in your Marketplace notice. For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
More on this topic: health insurance marketplace
What it means
- You can usually start an application with numbers and details you already have; document uploads come later, and only if the Marketplace asks.
- Your income estimate matters most, because your premium tax credit is based on it and is settled on your federal tax return.
- If anyone in your household is offered job-based coverage or an HRA, the Marketplace needs those details, because they can affect eligibility for savings.
Action steps
- Gather Social Security numbers, or immigration document information, for everyone applying.
- Use recent pay stubs, W-2s, or your last tax return to build your best estimate of 2027 household income.
- Get the details of any job-based coverage offered to your household, and the HRA notice if an employer offers one.
- Keep every Marketplace notice and send any requested documents by the deadline in the notice.
Risks & deadlines
- If information cannot be confirmed and you do not respond by the deadline in your Marketplace notice, you could lose your coverage or savings.
- Enroll by December 15, 2026 for coverage starting January 1, 2027 in HealthCare.gov states; Open Enrollment ends January 15, 2027.
Also asked as
- What do I need to apply for Obamacare?
- What information do I need for HealthCare.gov?
- Do I need proof of income to apply for ACA insurance?
- ACA application checklist 2027
Sources
- HealthCare.gov — Marketplace application checklist (PDF)
- HealthCare.gov — Verify your information
- HealthCare.gov — How to apply and enroll
Last verified: 2026-11-02