State-by-State ObamaCare Extensions for 2015
HealthCare.Gov is allowing those who signed-up, but didn’t complete enrollment until Feb 22nd to enroll. Other state’s have unique extensions as seen below.
UPDATE: For 2016 most states have declined to issue an extension. Some states have special rules, when in doubt check with your state’s marketplace. Get more information here.
Many State run Marketplaces are also offering enrollment period extensions:
- New Mexico– Does not list a specific end date yet, but notes that those who started the process before the February 15th deadline, can complete the process.
- New York– If you started the process before February 15th, you have until February 28th to finish enrollment.
- Rhode Island– Severe Weather extension because call centers were closed on February 15th due to weather conditions. You now have until February 23rd to enroll in their Marketplace plans.
- Washington– Due to the sheer number of last minute enrollees on February 15th, as well as the expectation that many who discover they will owe the Shared Responsibility Fee during this years tax season, Washington has granted an additional enrollment period starting February 15th and ending April 17th, 2015.
- Idaho– If you started the process, but were unable to complete your enrollment, you now have until February 21st.
- Kentucky– No enrollment extension has been given at this time.
- Maryland– If you started the enrollment process, but were unable to finish, you now have until February 28th.
- Minnesota– If you at least created an account by February 15th, than you have until February 20th to enroll in a plan.
- Nevada– In Nevada you’ll have to apply for special enrollment to get cost assistance, but insurers in Nevada have to offer major medical plans year round. So anyone who elects to purchase a plan can still get covered in Nevada.
- Washington D.C.– No extension is specifically noted, however, the website states that those who have had difficulty due to weather conditions can email [email protected] to get help enrolling by March 1st.
- California– If you started the enrollment process, but were unable to complete it, than you have until February 22nd (essentially extended to April 30th). If you make he first premium payment on the day you enroll, your plan will still begin on March 1st. From Feb. 23 until April 30, 2015, consumers are eligible to apply for health coverage during special enrollment by attesting that they did not realize there was a tax penalty. To attest to this fact, they can select “Informed of Tax Penalty Risk” when filling out an application at CoveredCA.com.
- HealthCare.Gov– Just so it’s clear, the majority of state’s that use HealthCare.Gov had until February 22nd to complete enrollment. There will be another extra enrollment period from March 15th – April 30th. This is true for all state’s.
What to Do If You Missed the Deadline Above
If you have missed your state’s extension of February 22nd or later, depending upon your state, you still have options. Many state’s will be having another “extra enrollment period due to taxes” (technically a special enrollment period) from at least March 15th to April 30th. This is true for HealthCare.Gov, other state’s have unique deadlines. We will update the state-by-state extension list as we learn more, but don’t assume you are out of options.
Apply for specail enrollment in your state’s Marketplace or HealthCare.Gov and attest that you had one of the many qualifying life events that trigger a special enrollment period including being “Informed of Tax Penalty Risk” (ie you now know you’ll have to pay a penalty for not having coverage and were confused about this before).
Learn more about other special enrollment opportunities for those who missed the ObamaCare deadline.
I think this is ridiculous. Do I ever hardly watch T.V. I had no idea at all that there was a deadline to sign up by. My girlfriend forgot to tell me. I had never been told or heard hear say by one person there was a deadline. Every state needs an extension.
I was confused about how to sign up..
MY COMMENT IS THIS ONE HOW DOES THIS HELP ANYONE YOU HAVE A DEADLINE TO GET COVERED WITH NO WAY TO SIGN UP AFTERWARDS I KNOW YOU MUST THINK I LIVE UNDER A ROCK BUT HAD NOT IDEA ABOUT THIS DEAD LINE AND NOW MY HUSBAND WHO BRINGS HOME 645.00 EVERY 2 WEEKS WILL HAVE TO PAY 639.00 A MONTH FOR HEALTH DO TO THIS DUMB ACT THAT REALLY IS JUST AWAY TO PRAY ON THE POOR BECAUSE SURE NO PROBLEM THE PEOPLE WHO MAKE 60000.00 TO 100000.00 A YEAR CAN AFFORD HEALTH INSURANCE BUT THOSE OF US TRY TO SCRAPE TO PENNIES TOGETHER TO BARELY EAT OR KEEP THE LIGHTS ON CAN NOW AFFORD TO COME UP WITH MORE MONIES FOR THE DAM GOVERNMENT ARE YOU KIDDING ME AND WE DO NEED HEALTH INSURANCE MY HUSBAND HAS TYPE 1 DIABETES AND WE DO NEED A SOLUTION BUT THIS ISNT IT THIS IS JUST MAKING THINGS FAR WORSE FOR EVERYONE DOCTORS PATENTS SMALL BUSINESS OWNERS IT SEEM TO ME LIKE BIG CORPORATE COMPANIES AND BIG GOVERNMENT i ALMOST WITH WE ALL HAD TO LIVE LIKE THE AMISH JUST TO TAKE THE STRESS OF ALL THIS AWAY
Hello I recently sfarted a new job I was wondering if this qualifies me for obama. Care? I waited for my original job to offer health insurance being that they were in the process of. Being closed down they never offered…..HELP!!??
Will you please update this listing? Covered California recently updated the special enrollment period to run through April 30. Would love to see an update of all state enrollment extensions. Thanks!
Thank you for the update. Most states will have an “extra enrollment period” from March 15th – April 30th, however some states have simply elected to extend enrollment from February 15th until April 30th.
To qualify for this “extra enrollment period” you must have a qualifying life event. There are lots of qualifying life events that apply all the time. For this “extra enrollment period” only, you’ll have an extra qualifying life event option: “Being confused about the tax penalty for not having coverage”. This only applies if you don’t have a health plan. You can see more details here: https://obamacarefacts.com/2015/02/20/obamacare-extra-enrollment-2015-march-15-april-30/
I am a full time student who has a full time internship this semester where I work 11-12 hours a day, I got a rejection letter for Medicaid on feb 19 from my jan 15 application so I had 3 days to do something about it. Guess what, I WAS WORKING ALL DAY THOSE 3 DAYS. Now I’m suppose to pay $200+ premiums on top of out of pocket for meds when I will have no income in 6 weeks? Real affordable, thanks Obama.
I knew I had go sign up but didn’t know I hit the deadline already, how can I still sign up?
There is an “extra enrollment period” for those who don’t have coverage and were confused about the deadline. Go here and see if you meet the criteria to qualify:
I have NO job, No children. I have had 2 neck surgeries and 1 back surgery and I am going to pain management for me lower back now due to chronic pain. I can NOT afford health insurance and I do NOT qualify for Medicaid in south Carolina. How do I get healthcare? I need help! I have NO money. HELP ME
South Carolina doesn’t offer Medicaid to adults unless they are parents. There is no perfect answer here for someone with no money, if you made at least 100% of the Federal Poverty Level you could use HealthCare.Gov to get very inexpensive coverage. You can also use a rejection letter from Medicaid to apply to the Marketplace for an opportunity to buy catastrophic coverage. But, both of these cost money. http://www.medicaid.gov/Medicaid-CHIP-Program-Information/By-State/south-carolina.html
You could also look into charity options. Here is a good starter list: http://www.needhelppayingbills.com/html/south_carolina_assistance_prog.html
Remember you can always go to the hospital, even with no money, in an emergency.
Here is your answer honey. I, myself make 13 an hour in North Carolina, and some “expert” comes up with a hard figure and says you can afford “THIS”…my number is $89 a month. Yes, that is comparatively cheap, I agree. But, I get paid twice a month, one check going straight to rent the other 792 bucks is supposed to cover food for us-I have a 16 yr old still in school- gas, power, propane for heat, car insurance, flipping internet BECAUSE you can not do a damn thing these days without it, car insurance, when i can eek it out I pay 30 for a moth of cell phone use (and that is sporadic). I do that because I am driving an old car, so the phone is really protection. Now, things like fixing your car, your kids random school expenses, used clothes and what ever else life throws at ya does not factor in the “income schedule” that the genius S.O.B.s decided on. Geez, they must think I live beyond my means, with no dryer (too high on power bill), barely running car, and I do not have a smart phone. Since I can hardly make ends meet, but Obama wants to fine me for not making room in my budget for his grand pat on the back, I will save every one of my disconnect notices for the exemption. I average 8 a year, so….I will just feel like a piece of shit the other 4 months I was actually able to pay the bill, and wait for that disconnect notice. This way I won’t be sacrificing anything else I do not have to pay Obama’s health policy that I will not be able to use anyway. Any visit to a health clinic or doc will have ya walking out with another bill you can’t pay so why bother? But hey, he accomplished something….he didn’t reform health care- health care providers, hospitals, drug companies still get their profits!!!They will push drugs and expensive tests and are told we are getting “care”. It’s a business. President Obama is making us pay by the skin of our teeth to make sure their profits continue. The ones that are helped by this crap? The goverment is subsidizing-or giving the cash to the weathly health companies for us. Who wins here?
I was not aware of the deadline. I don’t see T.V. I don’t want a tax fine. I need health insurance.
We are no longer a free country. Im told I have to buy insurance. It will cost anywhere between 388.00 and 900.00 dollars for my family monthly. We haven’t had to use a doctor but once in the last three years. And I paid cash at a clinic 75.00. For strept throat and 30 for the prescription. Why should my family have to give up all that money for others to have free medical. I just do t get it.
Some people did see cost increases, but typically shopping smart and using medical savings accounts can help offset some of the rising premiums. For others costs simply went up. Rising premiums wasn’t a response to expanding Medicaid (free or low cost health insurance), this was more a response to the new benefits, rights, and protections that mandate the insurers can’t use pre-exiting conditions to discriminate against the 1 in 2 Americans who have a pre-existing condition, charge women more than men, or sell “junk policies” that don’t provide coverage when people need it most. For better or worse the rate hikes already happened, the rest of the law helps to curb the growth of costs down overtime so in the long run many will save money under the ACA versus what they would have in the long run. Simply there is a lot going on and not needing insurance now isn’t a reason to not have insurance generally. You never know what is going to happen. The truth is before the ACA over 60% of bankruptcies were caused by medical bills due to lack of insurance or being under insured.
This is absolutely ridiculous that in a free country we are unable to get health care when we want it. I can now afford to pay for my health care but missed the deadline. I am disgusted by this!!! Now I will be penalized for not having health care when I could not afford it two months ago!! Thanks Obama!!!
The ACA has about 101 ways to help someone who can’t afford coverage be it Medicaid, Marketplace subsidies, or exemptions. You should really look into special enrollment options including https://obamacarefacts.com/2015/02/20/obamacare-extra-enrollment-2015-march-15-april-30/
i got my insurance through the healthcare .gov and paid for it for two months then sent a letter saying i will pay nothing . Now i have a credit bal, what am i supposed to do? Also i took a withdrawal out of my ira to do house repairs etc and they counted it as income and i have to pay back my obamacare the full balance how do i see if i can get an exception since i was not told this would happen
I have no job husband has no job so why cant i get free medical coverage
If you have no income you need to apply for Medicaid. If your state hasn’t expanded Medicaid, you will be paying the full face value of the policy which will be very pricey. I would check with your state first.
My son had medical insurance for 2014. He lives in Maryland. The carrier (Kaiser Permanente) was given authority to draft his premium from his account and they made a mess of it, some months one premium, some two. When he got a call in January indicating he owed premium, he called their “member services” and was told that his direct payment was still viable and the draft probably hadn’t caught up with their records. Long story short, they never drafted his January premium. He moved and didn’t get their notice of cancellation. Found out about this mess after Open Enrollment ended. They say they will not let him reinstate even if he brings the account current by making the January payment. This is outrageous because they have not only cut his coverage but exposed him to a fine. Call the Maryland exchange, and you’ll be on hold for 45 minutes, and get a tired person who really doesn’t listen closely and try to solve the problem. He’s willing to buy outside the marketplace but it looks like that state doesn’t have a compliant plan. Sorry, an open enrollment/drop dead period for an uninsured person makes ZERO sense.
I can’t find any local doctors taking The affordable care insurance. My daughter gets $250. per month child support as of the first of this month and is severely ill, that is why her husband left her. Apparently the woman he was seeing at work is in better health. So the representative we spoke to said she would probably have to go through This affordable health care, when we enter her income it says she should check with medicaid….The $250. will only cover her utility bills..maybe diapers and wipes. Just because I loan her the money for rent doesn’t mean she is living for free because she does ow that money. I am getting deeper in debt. If she has insurance, that no doctors take how are we suppose to get her to a point where she can go back to school and become a competent member of society? We are not 2nd or 3rd generation welfare peole and we are legal citizens..what does it take to get help to get on your feet? We have now called over 100 doctors offices in the area and they do not take this plan.
Your state may not have embraced Medicaid expansion and instead your daughter is getting assistance due to her being a single mother via CHIP. In some regions that don’t support Medicaid well as a community finding a doctor can be a challenge. While finding a doctor may be a challenge you can always use a public hospital. They WILL take Medicaid and may very well help you find another doctor who does. Feel free to let people know the state and region you are in so we can all understand what region it is that has “over 100 doctor offices refusing to take Medicaid”.
Why do we have to buy this? No government should be able to FORCE a citizen to buy a product, insurance or other wise. My husband and I make around 25,000 a year, we only go to the doctor when we need to. We pay for it ourselves, buying this insurance will only make it so I can no longer afford to go the doctor if I need to. And the deductible is so high it is pointless, this is robbery plain and simple, being strong-armed by our own government, buy this or get a fine. This is so, so, so wrong. people on Medicaid or title 19 were already getting help, how does this help the poor working man? It does not, it only steals money from him to line the pockets of big insurance companies!I I live in Wyoming and there is only one provider, this is unjust!
I thought we had at least till December 30th to get the health care that we need so that hard working people like me that doesn’t have enough money for health insurance wouldn’t get penalized
You do not have to be treated like that Obama needs to strengthen this mess out it is to high to even afford it and true the doctors don’t want take because there not paying hardly getting paid it is a mess l said l was going to write President Obama and tell him that this Obama care is a horrible thing its not good at all he shouldn’t have signed this mess into law if was going to hurt Americans instead of helping us.
Sorry l messed up but the doctors are not getting paid much that’s why they don’t take the Obamacare
I think there is a lot that can be approved, but lets not get hasty and throw all 450 provisions out over the cost of healthcare. That won’t help: https://obamacarefacts.com/summary-of-provisions-patient-protection-and-affordable-care-act/
We can reform just some of the provisions and all be better off.
A big sigh of relief, thank you so very much. I was definitely having problems with the Markets website. I could log into my account with no problems but it wouldn’t let me submit my chosen plan. Everything looks good for a go ahead now.
Hola soy residente y quiero saber si puedo aplicar para este seguro ya que tengo 5 meses aquí y no tengo seguro y el plazo final es para fin de este mes por favor espero me contesten. Gracias
As long as you are paying taxes in the US and are a legal resident you can use the Marketplace and get tax credits based on household income and family size. Be aware that you’ll have to have coverage for each month of the year or an exemption if you are living and paying taxes in the US. This can be true even if you are living in the US for part of the year.
I am sick and tired of the Bull Sh–. you can get any real help with this crap. I should just kill myself and save you and me the headache.
This is BS, I finally try to get coverage and I’m 4 days late!!?? So I’m doomed unless I have a kid! This is why I never tried obamacare, now I try and a big no!
I think it’s OUTRAGEOUS that the IRS can exploit people that COULDN’T AFFORD HEALTH CARE and then when they file their taxes they get a major ding for it !!! I’ve always liked President Obama but this situation is unforgivable !!!
Who can afford $300 to $600 a month for insurance. RIDICULOUS !
i don’t know why you cannon enroll at anytime. i had a policy and it lapsed because of poor communication and now i cannot enroll again. that is the dumbest thing i have heard of
I enrolled in December 2016 but do not have the enrollment fee