Resource Guide

On Private Health Insurance Coverage & The Health Insurance Marketplace What's New for 2021?

Individuals with no coverage

This section covers issues for individuals without coverage or offer of coverage and their options, including eligibility for premium tax credits.

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Individuals with coverage

This section covers issues for individuals with coverage or an offer of coverage.

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Coverage for small employers

This section covers issues for small employers who want to understand coverage options for themselves and their employees.

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Post enrollment issues

This section covers issues for those with coverage, including questions that may arise as they use their coverage.

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This guide has been updated to reflect recent federal policy changes, many of which are summarized under "What's New for 2021." We’re also pleased to offer two new resources for Navigators and assisters.

This Guide is focused on the private insurance reforms of the Affordable Care Act (ACA), including the health insurance marketplaces, benefit and cost structures, and premium tax credits. It is organized into four sections that address how individuals may present themselves to Navigators based on their insurance status and coverage options. The questions and answers here have been developed in collaboration with the staff at the Center on Budget and Policy Priorities, the Georgetown University Center for Children and Families, and KFF. This guide is intended to supplement the Navigator training available from the U.S. Department of Health and Human Services. It is not intended to be a comprehensive, stand-alone resource for all the ACA reforms. While we have made every effort to provide accurate information in this resource guide, navigators should contact Healthcare.Gov or their state’s marketplace, Department of Insurance, or Medicaid agency for guidance on specific circumstances. This Guide does not provide legal advice. The information has been updated as of October 21, 2020.

Center on Health Insurance Reforms
McCourt School of Public Policy
Georgetown University
600 New Jersey Avenue, NW
Washington D.C. 20001


Support for this Guide was provided by the Robert Wood Johnson Foundation. The views expressed here do not necessarily reflect the views of the Foundation.