Health coverage for incarcerated people
If youâre incarcerated, you canât buy a Marketplace plan. Once youâre released, you can use the Marketplace to get health coverage.
For the Marketplace, âincarceratedâ means serving a term in prison or jail.
You're not incarcerated if you're:
- On probation, parole, or house arrest â living at home, in a residential facility, or halfway house (under supervision of the criminal justice system or voluntarily).
- In jail or prison pending disposition of charges (being held but not convicted of a crime).
Pending disposition of charges
If youâre in jail or prison waiting for the outcome of charges, or âpending disposition,â you can create an account or log in to apply for and if otherwise eligible, enroll in a Marketplace plan.
If convicted, youâll no longer be eligible for Marketplace coverage while youâre in jail or prison serving a sentence.
After release from incarceration
Once released, you have a 60-day
to apply for and select a plan for Marketplace coverage. When you apply for health coverage, you might qualify for lower costs on monthly premiums and out-of-pocket costs.
If you plan to file taxes with your spouse or another household member who already has Marketplace coverage, they can update their application to add you to their plan.
Medicaid coverage while incarcerated
If youâre incarcerated you can use the Marketplace to apply for
coverage in your state. Medicaid wonât pay for your medical care while youâre in prison or jail. But if you qualify and enroll in Medicaid while youâre incarcerated you may be able to get care more quickly after youâre released.
To help you decide whether to apply for Medicaid before youâre released, check if your state:
- Expanded Medicaid coverage to all adults with incomes up to 138% of the federal poverty level. If your state has expanded coverage, you only need to qualify based on household income. Check if your income may qualify you for Medicaid.
- Allows you to keep Medicaid while incarcerated. Contact your stateâs Medicaid agency for details.