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How Do You Create a HealthCare.gov Account?

Learn how to create a HealthCare.gov account, what information you need first, and how Marketplace account setup fits into applying for coverage.

Direct answer

To create a HealthCare.gov account, use the official Marketplace account setup page, enter basic contact information, choose a username and password, set security questions, add account protection, and complete identity verification if prompted. A Marketplace account is for applications and eligibility, not the same as a separate insurance-company member portal.

basic information + login credentials + identity verification = Marketplace account

Marketplace account setup

Enter basic information

Starts the Marketplace account

Use your current legal and contact details

Create username and password

Sets account login

Do not create a duplicate account if one exists

Answer security questions

Helps recover access

Store answers securely

Add extra protection

Uses a security code at login

Keep phone or email access current

Verify identity

Prevents misuse of your name

If online verification fails, follow Marketplace instructions

Step	What it does	Watch for
Enter basic information	Starts the Marketplace account	Use your current legal and contact details
Create username and password	Sets account login	Do not create a duplicate account if one exists
Answer security questions	Helps recover access	Store answers securely
Add extra protection	Uses a security code at login	Keep phone or email access current
Verify identity	Prevents misuse of your name	If online verification fails, follow Marketplace instructions

HealthCare.gov is not every state Marketplace

Some states run their own Marketplace websites. Use HealthCare.gov if your state uses the federal Marketplace; otherwise follow your state Marketplace account process.

Create the account

1Go to the official HealthCare.gov account creation page.
2Enter your name, address, email, and other basic information.
3Choose a username and password.
4Create security questions and add a security-code method.
5Complete identity verification and continue into the application when ready.

FAQ

Do I need a HealthCare.gov account before I apply?

If your state uses HealthCare.gov, a Marketplace account lets you start, submit, and manage an application online. Some state-based Marketplaces use their own account systems.

Is a Marketplace account the same as my insurance company account?

No. HealthCare.gov is for Marketplace applications and eligibility. Your insurer may have a separate member portal for ID cards, claims, payments, and benefits.

What if I already started an application before?

Use your existing Marketplace account if possible. Starting over can create duplicate application or login problems.

Sources & method

We reviewed these references while writing this answer. Figures are estimates — confirm safety-critical work with a professional. Last updated June 7, 2026.