I’ve picked the plan I want. Now do I send my premium to the Marketplace?

Individuals with no coverage | How Premium Tax Credits And Cost-Sharing Reductions Work |

No, you will make your premium payments directly to the health insurance company. Once you’ve selected your plan, the Marketplace will direct you to your insurance company’s website to make the initial premium payment. Insurance companies must accept different forms of payment and they cannot discriminate against consumers who do not have credit cards or bank accounts. The insurance company must receive and process your payment at least one day before coverage begins. Make sure you understand your insurance company’s payment requirements and deadlines and follow them so your coverage begins on time. Your enrollment in the health plan is not complete until the insurance company receives your first premium payment.

If you have qualified to receive a premium tax credit and have chosen to receive it in advance, the government will pay the credit directly to your insurer and you will pay the remainder of the premium directly to the insurer.

(45 C.F.R. §§ 147.104, 155.305.)

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