Who is eligible to use the FFM to enroll in health insurance?

The eligibility to use the Federally-facilitated Marketplace (FFM) primarily includes U.S. citizens and legal residents who lack access to affordable health insurance coverage. This means that individuals who do not have a suitable employer-sponsored plan or other affordable health insurance options can turn to the FFM to enroll in health insurance that meets their needs.

This correct response highlights the Marketplace's intention to provide coverage to those who are traditionally underserved, ensuring that both U.S. citizens and legal residents have a pathway to obtain health insurance when they do not have other affordable options available. The focus is on accessibility, particularly for individuals who may struggle with the costs of coverage either through their employer or other means.

The other choices do not capture the full scope of eligibility criteria. For instance, the option suggesting only U.S. citizens can use the FFM overlooks the fact that qualified legal residents also have access to the Marketplace. The inclusion of those with employer-sponsored coverage is misleading, as individuals with access to affordable, comprehensive coverage through their employers generally do not qualify to apply through the FFM. As for stating that anyone can use the Marketplace regardless of citizenship, this fails to recognize the requirement for individuals to be U.S. citizens or legal residents to enroll in health