Individuals will need to fill out an application in order to obtain health insurance through the Marketplace. Marketplaces run by the federal government or state partnership will use boilerplate applications but state-run Marketplaces will have their own version. The applications also help determine if someone can receive a subsidy. When filling out the form, individuals who are eligible for their employer sponsored group health plan will need to provide basic information about their employer’s health plan. Employers should be prepared to provide their employees with the necessary data if their employees do apply for coverage through the Marketplace.

The three different applications used in the Marketplace are:

  1. Individual Short Form: For single adults who aren’t offered health coverage from their employer and don’t have any dependents and can’t be claimed as a dependent on someone else’s tax return. Short Form.
  2. Standard Form: For anyone, individuals and families, eligible for employer health coverage. Standard Form.
  3. Individual without Financial Assistance: For individual who do not want to provide employment and income information to determine subsidy eligibility. No Financial Assistance.

To obtain health coverage to be effective on January 1, 2014, individuals and families must enroll by December 15, 2013. However, the enrollment period will continue through March 31. 2014. To apply for Marketplace health coverage in a particular state:

For more information, contact WGA’s Health Reform Advisory Team at, or contact your WGA Client Executive or Client Manager. And remember to routinely check the Health Reform Advisory Corner of our website or our blog for important information.