obamacare open enrollment 2016 deadline

January 31, 2016 is the last day to get health insurance for 2016 under the Affordable Care Act (ObamaCare). If you don’t enroll in a plan, verify your cost assistance information, and ensure you have the right plan you won’t have another chance to enroll in coverage for the rest of 2016 (unless you qualify for special enrollment, or other special circumstances).

Make your first stop HealthCare.Gov and make sure you understand the rules for employer coverage, Medicaid, and the state Marketplaces.

Everyone gets less than three full months without coverage. So even if you get coverage that starts March 1st, 2016 you will still avoid the fee for 2016.

NOTE: January 15, 2016 was the last chance to get coverage that started on February 1st, 2016. Coverage purchased before January 31, 2016 starts March 1st.

Ask any questions about open enrollment below, immediate questions should be directed to HealthCare.Gov.

What do you think?

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Jennifer Armstrong on

After I have gone on line and received an Application ID .. where do I make a payment .. ? .. Can you not make the payment on-line? When it telling you that you can’t make the payment directly to the market place .. then where and who do you make the payment to ?

ObamaCareFacts.com on

You make the payment generally to the insurer unless you are using a marketplace with an auto-pay option. Sorry for the general answer, every marketplace is different and as an independent site we don’t have the specifics on that level of information. Can always call HealthCare.Gov.

Peter Gerber on

I picked out a plan and want to enroll but I don’t see where I can online.
Can you tell me the exact name of the website which will allow me to enroll in the
Metro Plus Bronze plan. Everything I hit sends me to Oscar Health which I don’t want. I have an ID.

ObamaCareFacts.com on

When in doubt go to HealthCare.Gov.

Likely what is happening is that you are using a plan finding service and that service is trying to tell you that Oscar Health has the plan you are looking for.

That said, without knowing what site you are on I can’t give more concrete advice.

Keep in mind you can shop for plans in the Marketplace and outside the Marketplace. You can get assistance from the Marketplace, a private broker, a major insurer, etc. You have lots of options and not knowing what steps you took and I wouldn’t know what part of the process you are in.