HealthCare.gov Customer Service, Reviews and Complaints

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Need help with HealthCare.gov, a Marketplace application, enrollment, documents, a 1095-A tax form, an appeal, account access, or a complaint? This page lists verified HealthCare.gov customer service options and gives Marketplace users a place to share reviews about their experience. CustomerServiceNumbers.com is not affiliated with HealthCare.gov, the Health Insurance Marketplace, the U.S. Department of Health and Human Services, or the Centers for Medicare & Medicaid Services.

HealthCare.gov Customer Service Number

The main HealthCare.gov Marketplace Call Center phone number is 1-800-318-2596. TTY users can call 1-855-889-4325. HealthCare.gov lists the Marketplace Call Center as available 24 hours a day, 7 days a week, except holidays.

Important: HealthCare.gov Does Not Accept Questions by Email

HealthCare.gov says it cannot accept direct questions or documents by email. If the Marketplace asks you to verify information, upload documents through your Marketplace account or follow the instructions in your official notice. If you have questions about documents or application status, call the Marketplace Call Center.

What HealthCare.gov Customer Service Can Help With

  • Applying for Marketplace coverage
  • Checking whether you can enroll or change plans
  • Reporting income, household, address, or coverage changes
  • Uploading documents to verify application information
  • Marketplace account login problems
  • Forgotten username or password issues
  • Questions about eligibility results
  • Special Enrollment Period questions
  • Marketplace appeal questions
  • Form 1095-A questions
  • Premium tax credit questions
  • Finding local help, Navigators, assisters, agents, or brokers

Use the Correct HealthCare.gov Support Route

The best contact route depends on the problem. HealthCare.gov handles Marketplace application and enrollment issues, but your insurance company handles plan claims, premium payments, ID cards, provider networks, and many coverage disputes after enrollment.

  • Marketplace application or enrollment help: Call 1-800-318-2596.
  • TTY support: Call 1-855-889-4325.
  • Local help or assister help: Use Find Local Help.
  • Premium payments: Contact your insurance company. Marketplace premiums are paid to the insurer, not to HealthCare.gov.
  • Insurance card, provider network, claim, or denied medical bill: Contact the health insurance company listed on your plan documents.
  • State Marketplace: If HealthCare.gov sends you to a state-run Marketplace, use that state Marketplace for account, application, enrollment, or appeal questions.

HealthCare.gov SHOP Call Center

The SHOP Marketplace has a separate support route for small employers, employees with SHOP offers, SHOP agents, and SHOP brokers.

HealthCare.gov Appeals and Eligibility Decisions

If you disagree with certain Marketplace eligibility decisions, you may be able to file a Marketplace appeal. Read your Eligibility Notice carefully because appeal deadlines and instructions matter.

Marketplace appeals are usually for Marketplace decisions about eligibility, enrollment, tax credits, exemptions, or certain Special Enrollment Period decisions. If your insurance company refuses to pay a claim or ends coverage, you may need to appeal directly with the insurance company instead of filing a Marketplace appeal.

HealthCare.gov Form 1095-A Help

Form 1095-A is used for Marketplace tax reporting. If you had Marketplace coverage, check your Marketplace account and your mail for Form 1095-A. Do not file your taxes with incorrect Marketplace tax information.

If your Form 1095-A is missing or incorrect, contact the Marketplace Call Center before filing taxes. If your issue involves IRS tax filing, repayment of premium tax credits, or Form 8962, you may also need guidance from the IRS or a qualified tax professional.

Premium Payments and Coverage Status

HealthCare.gov does not collect your monthly Marketplace plan premium. After you choose a plan, you usually pay your first and monthly premiums directly to the insurance company. Your coverage may not start until your insurer receives the first premium, if one is required.

  • Contact your insurance company for payment instructions.
  • Keep payment confirmations and billing notices.
  • Call your insurance company if your coverage does not show as active.
  • Contact HealthCare.gov if the Marketplace application or eligibility result appears wrong.

Account Login and Application Help

If you have trouble logging in, HealthCare.gov warns users not to create a second account. Use the username and password recovery tools or call the Marketplace Call Center if you cannot access your account.

HealthCare.gov Scam and Privacy Warnings

HealthCare.gov is an official .gov website. Be careful with look-alike websites, unsolicited calls, text messages, social media ads, or agents asking for sensitive information before you confirm who they are. You can use HealthCare.gov, the Marketplace Call Center, Find Local Help, or certified enrollment partners to complete a Marketplace application.

  • Use the official website: HealthCare.gov.
  • Confirm local help through Find Local Help.
  • Call 1-800-318-2596 if you need help confirming Marketplace assistance.
  • Do not give payment information to someone claiming to be HealthCare.gov for monthly premiums. Premiums are paid to your insurance company.
  • Do not post private application, tax, income, or health coverage information in a public review.

Information to Have Ready Before Calling HealthCare.gov

  • Your HealthCare.gov username or email address used for the account
  • Your Marketplace application ID, if available
  • Your full name and date of birth
  • Your current address and phone number
  • Household size and income information if calling about eligibility
  • Any Eligibility Notice, data matching notice, appeal notice, or document request
  • Plan name and insurance company name if calling about enrollment status
  • Form 1095-A details if calling about tax forms
  • Any appeal number, case number, or reference number if available

HealthCare.gov Reviews and Complaints

At the time of this page update, this CustomerServiceNumbers.com listing shows 0 customer reviews for HealthCare.gov. Because there are no live CSN reviews yet, this page should not claim that customers commonly praise or complain about specific HealthCare.gov issues based only on this website.

If you have contacted HealthCare.gov about Marketplace enrollment, eligibility, account access, document verification, appeals, Form 1095-A, local help, SHOP, or a complaint, you can share your experience below. Helpful reviews explain the issue, the support route used, how long it took to receive a response, and whether the problem was resolved.

Privacy and Moderation Warning for HealthCare.gov Reviews

Marketplace reviews can involve highly sensitive personal, financial, tax, household, immigration, and health coverage information. Do not post Social Security numbers, Marketplace application IDs, usernames, passwords, dates of birth, addresses, phone numbers, email addresses, income documents, immigration documents, tax forms, 1095-A forms, appeal notices, eligibility letters, dependent information, medical details, plan ID cards, screenshots, or private correspondence.

Reviews may be moderated for profanity, spam, personally identifiable information, and unsafe content. Keep your review factual and based on your own experience.

Common HealthCare.gov Customer Service Issues

  • Difficulty logging in to a Marketplace account
  • Application status questions
  • Problems uploading documents
  • Eligibility notice confusion
  • Special Enrollment Period verification issues
  • Marketplace appeal questions
  • Form 1095-A missing or incorrect
  • Confusion between HealthCare.gov and a state Marketplace
  • Confusion between HealthCare.gov and the insurance company
  • Premium payment or coverage start-date questions

Related Customer Service Numbers Pages

Frequently Asked Questions About HealthCare.gov Customer Service

What is the HealthCare.gov customer service phone number?

The HealthCare.gov Marketplace Call Center phone number is 1-800-318-2596. TTY users can call 1-855-889-4325.

Is HealthCare.gov customer service available 24/7?

HealthCare.gov lists the Marketplace Call Center as available 24 hours a day, 7 days a week, except holidays.

Can I email HealthCare.gov customer service?

No. HealthCare.gov says it cannot accept direct questions or documents by email. Use the official website, upload documents through your Marketplace account, or call the Marketplace Call Center.

Who do I call for a denied medical claim?

If your insurance company refuses to pay a medical claim, contact your insurance company and follow the plan’s appeal process. HealthCare.gov handles Marketplace application and eligibility issues, not every insurance-company claim dispute.

Can CustomerServiceNumbers.com access my HealthCare.gov account?

No. CustomerServiceNumbers.com is an independent consumer information and review website. To access your Marketplace account, application, tax forms, appeals, or enrollment status, contact HealthCare.gov directly through its official website or phone number.

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers find customer service phone numbers, company contact details, and review information since 2004. CSN is an independent consumer-help site and is not owned by HealthCare.gov, the Health Insurance Marketplace, the U.S. Department of Health and Human Services, or the Centers for Medicare & Medicaid Services.

Our goal is to help readers find official support routes, understand customer service issues, and share reviews that may help other consumers. Always verify current enrollment, application, document, tax, appeal, and coverage information directly with HealthCare.gov, your state Marketplace, your insurance company, the IRS, or the appropriate official organization.

Share Your Experience

Have you contacted HealthCare.gov about Marketplace enrollment, account access, document uploads, eligibility, Form 1095-A, appeals, SHOP coverage, local help, or a complaint? Share your experience below to help other Marketplace users understand what happened and how the issue was handled.

Privacy reminder: Do not post Social Security numbers, Marketplace application IDs, income documents, immigration documents, tax forms, eligibility notices, appeal letters, dates of birth, addresses, phone numbers, emails, plan ID cards, screenshots, passwords, or private correspondence in a public review.

Page Update Note: This HealthCare.gov customer service page was reviewed and updated on July 4, 2026.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with HealthCare.gov, the Health Insurance Marketplace, the U.S. Department of Health and Human Services, the Centers for Medicare & Medicaid Services, any state Marketplace, or any health insurance company. Phone numbers, links, enrollment information, and customer service details are provided for consumer convenience and may change. CustomerServiceNumbers.com cannot access Marketplace accounts, submit applications, upload documents, file appeals, correct Form 1095-A, process premium payments, enroll users in coverage, provide tax advice, provide legal advice, provide medical advice, or resolve insurance-company claim disputes. Contact HealthCare.gov, your state Marketplace, your insurance company, the IRS, or the appropriate official organization for help with your specific issue.

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