HealthCare.gov Customer Service

Phone Number & Contact Info

HealthCare.gov's Best Phone Number

800-318-2596
Toll-free·Calls Customer Service·Most popular HealthCare.gov number
Q:

How do I talk to a live human at HealthCare.gov?

A:Must call Covered California directly at 888-975-1142.
Q:

Does HealthCare.gov offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Thursday.
Q:

How long will I wait on hold?

A:The average hold time is 25 minutes. The longest hold times are on Tuesday, and the shortest are on Monday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this HealthCare.gov phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Must call Covered California directly at 888-975-1142.
Here is how our research team describes the way the HealthCare.gov phone system greets you: If you are from California, please call Coverage California at 888-975-1142. If you need anything else, please stay on the line.
Below are some clips we've found from HealthCare.gov's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask your reason for calling (instead of a menu)

"Welcome to the Health insurance marketplace. Massachusetts has a health insurance marketplace to serve you. To hear that again, say repeat that.
If you're finished, simply hang up. If you need anything else, please stay on the line for further assistance.
In a few words, briefly tell me the reason for your call today."
Excerpt from a call with HealthCare.gov
Thursday, April 25, 2024 12:30 AM

They may ask you to say or enter information

"Welcome to the health insurance marketplace. Massachusetts has a health insurance marketplace to serve you. Please tell me briefly how I can help you today. Again, please tell me briefly how I can help you today. I didn't get that.
Let's try this a different way.
Please select one of the following. You can say apply and enroll, tax questions, password reset, verify coverage status, or something else."
Excerpt from a call with HealthCare.gov
Thursday, April 25, 2024 3:59 PM

The first phone menu

"Welcome to the health insurance marketplace. Massachusetts has a health insurance marketplace to serve you. To hear that again, say repeat that. If you're finished, simply hang up. If you need anything else, please stay on the line for further assistance. To help us direct your call, please select one of the following. You can say apply and enroll, tax questions, password reset, verify coverage status, or something else.
I didn't hear anything. You can say, apply and enroll or press one, tax questions, or press two, password reset or press three, verify coverage status or press four, or something else.
Or press five or say representative or press zero."
Excerpt from a call with HealthCare.gov
Wednesday, April 3, 2024 4:40 PM

What are the hours and when should I call?

HealthCare.gov operates the call center for this 800-318-2596 phone number 24 hours, 7 days. The short answer is that you should call on a Friday. This observation and the following section are based on analysis of a sample set of 225 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this HealthCare.gov phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like HealthCare.gov staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call HealthCare.gov is Sunday. The most busy day to call is Thursday, which averages 1075% more phone calls by comparison. Again, this is based on a sample of 225 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Busiest
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Monday. The longest wait in the queue on average occurs on Tuesday.

The best time to call HealthCare.gov

In summation, the best day to call HealthCare.gov is Friday.

Calling this HealthCare.gov Customer Number

Jeff Whelpley is the editor / author responsible for this content.
Feb 6, 2024

This HealthCare.gov customer service line is set up for people who want to sign up for healthcare insurance, ask questions about the Affordable Care Marketplace, or make changes to already existing coverage. I was calling to determine whether it was possible to sign up for insurance outside of the designated Open Enrollment period (which runs from November 1st to January 15th of each year).

When I dialed this number, the automated software was able to automatically detect the area code from which I was calling. I called from a California area code and was immediately provided with a contact number for my home state’s Covered California program.

Since my question was a general one, I chose to stay on the line. I was taken to an automated menu and given options to apply for enrollment, ask questions about tax issues, or verify my current healthcare coverage status. There was also an option to be connected directly to a representative, which is the one I chose.

After waiting for less than five minutes, I was connected to a representative who immediately asked whether I was calling about existing coverage or attempting to apply for new coverage. I indicated that I was calling to find out whether I was still eligible to sign up for healthcare insurance, despite the fact that I had missed the most recent Open Enrollment period.

The representative was friendly and well-informed. She patiently explained to me that there are a number of extenuating circumstances that allow individuals to obtain insurance via a Special Enrollment period. The rep went through each of these circumstances, explaining that I might still be eligible to enroll based on my yearly income or whether I had recently experienced a qualifying life event, such as moving, getting married, or recently losing other health insurance coverage.

I found the rep to be very helpful and knowledgeable about the Affordable Care program. She was able to answer follow-up questions about my specific circumstances and provide me with detailed and understandable information. At the conclusion of my call, I was clear about my options for obtaining health insurance.

If a caller has difficulty getting connected to this customer service line, the HealthCare.gov website also has an extensive help section. Through the website, visitors can easily be connected to their own state’s Healthcare Marketplace, which is where individuals can complete enrollment applications for health insurance. 

I would feel confident calling this HealthCare.gov number if I had additional questions about getting health insurance through the Affordable Care Act program. The system is set up in a sensible and useful way. Callers are automatically directed to the appropriate state’s healthcare program, which is where individuals can actually complete sign-up and enrollment for Affordable Care Act insurance plans. However, per my experience, you can also get helpful information and answers to specific questions from the HealthCare.gov representatives.

Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

Why Customers Call HealthCare.gov

Below is a sample of recent calls to HealthCare.gov, and their purpose. Are any of these similar to the reason you are trying to call?
Assistance with account access: "I wanna access my HealthCare.gov account, but I'm not able to access it."
- From a call lasting 7m 18s , Apr 25, 2024 12:30 AM
Billing inquiry for tax issue: "Last year, we canceled my payment and coverage, and it accidentally charged us the next month, which messed up our taxes."
- From a call lasting 42m 13s , Apr 15, 2024 1:51 PM
Requesting missing tax form: "I'm trying to get them my one of the ten fifty nine forms to do my taxes."
- From a call lasting 5m 21s , Mar 29, 2024 12:33 AM
Clarification on insurance enrollment: "I keep on receiving emails that I enrolled in your insurance, but I don't recall doing that."
- From a call lasting 15m 50s , Mar 12, 2024 1:30 PM
Checking insurance eligibility: "I am calling to check on the insurance for Qualified Health."
- From a call lasting 15m 44s , Feb 29, 2024 11:05 PM
Questions about insurance status: "Can you find out for me what's going on with my insurance from the marketplace? I never received a card."
- From a call lasting 9m 47s , Feb 26, 2024 1:52 PM
Assistance with plan change: "I have marketplace stuff, and I know my plan changed, and I think I was supposed to do something."
- From a call lasting 47m 43s , Feb 21, 2024 10:05 PM
Requesting 1095 form: "I was getting my taxes done, and I can't find the 1095 form, could you send it to my email?"
- From a call lasting 19m 3s , Feb 7, 2024 10:18 PM
Questions about insurance status: "I don't have no insurance with you guys. I wanted that cutoff in two thousand twenty three."
- From a call lasting 24m 2s , Feb 6, 2024 9:34 PM
Assistance with online account setup: "I'm trying to download a form online but I never set up an account for that stuff."
- From a call lasting 23m 19s , Jan 16, 2024 9:26 PM

More HealthCare.gov Customer Service Contacts

There are of course other ways to contact HealthCare.gov customer service besides the phone. Below we list the best ones, by medium.

HealthCare.gov Customer Help Desk / Web Support

healthcare.gov - Customer Service
Online customer service support
As a last, sometimes only, resort- HealthCare.gov customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is HealthCare.gov's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a HealthCare.gov agent. This phone number is HealthCare.gov's best phone number because 31,854 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-318-2596 include Form request, Apply for coverage, Cancel coverage, Update account info and other customer service issues. The HealthCare.gov call center that you call into has employees from Wilmington, DE / Jamaica and is open 24 hours, 7 days according to customers. In total, HealthCare.gov has 1 phone number. It's not always clear what is the best way to talk to HealthCare.gov representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for HealthCare.gov. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like HealthCare.gov. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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