2017 Open Enrollment for ObamaCare starts November 1st and 7 in 10 marketplace shoppers can still get prices as low $75, and 8 out of 10 less than $100!
Every year under the ACA people are left without coverage due to accidental plan drops due to non-payment outside of open enrollment.
Each year, in general, December 15th is your last chance to get health coverage during open enrollment. This means updating info, shopping for plans, and re-enrolling must all be done no later than December 15th.
If coverage ends due to non-payment you don’t qualify for special enrollment and can’t get a plan until next open enrollment. That doesn’t mean you have no options
To switch to an individual plan from a family plan outside of open enrollment you need to have a qualifying life event that triggers a special enrollment period.
You cannot change your health plan outside of open enrollment unless you qualify for special enrollment. Typically once you enroll in a plan you’ll need to keep it
All plans that offer coverage to children must offer pediatric dental, but not adult. If your plan doesn’t offer dental you can get it as a standalone plan during open enrollment.
Open enrollment ended February 15, 2015 but last minute shoppers have until April 30 to get covered and avoid the fee, if they don’t have a health plan yet. *Healthcare.gov customers and select states only.
If you go less than three months in a row without coverage or if you get covered during open enrollment, you can claim an exemption on form 8965 and avoid the fee
If you have been out of the country and move back to the US then it triggers a special enrollment period to get coverage outside of open enrollment.
If you are no longer eligible for your current plan because you are moving, you qualify for special enrollment. This means that, even after open enrollment, you can switch to a plan offered in your area.
The only months you are penalized for are FULL months you don’t have health insurance or an exemption for. If you get covered during open enrollment or have less than 3 months without coverage then you wont’ owe the fee for those months.
Want to know what real people think about the ACA, well here is your chance. Over open enrollment 2015 624 of our users took our ObamaCareFacts.com poll. Check out the results for yourself.
We have a poll on our site where we are collecting survey data on ObamaCare’s popularity by state post open enrollment 2015. We will post the results once we have enough data. For now, why not put your name in the hat.
When you lose employer health coverage it triggers a special enrollment period in the Health Insurance Marketplace, this is true even outside of open enrollment.
During open enrollment you can switch from COBRA to ObamaCare’s Marketplace at anytime, outside of open enrollment you must wait until COBRA ends.
A dependent can be added to coverage during open enrollment or a special enrollment period, this is the same for a spouse.
If you become unemployed and lose coverage, you can enroll in an ObamaCare plan through the Health Insurance Marketplace. If it is outside of open enrollment, you’ll enroll using a special enrollment period.
If you didn’t get covered during open enrollment, you may qualify for special enrollment. Since you had been given bad information about signing up for the Marketplace, you most likely qualify for a special enrollment period.
By the end of open enrollment 2015 an estimated 11.4 million people were enrolled in ObamaCare.
If your insurance is ending inside Open Enrollment, simply sign up. If it ends outside of open enrollment it will trigger a Special Enrollment Period.
Everyone has to enroll in coverage and maintain it throughout the year if they can afford it, get an exemption, or pay a fee. You must enroll in coverage during open enrollment. If you miss your insurance type’s enrollment period you may have other options.
The smartest way to find out if you qualify for ObamaCare is to sign-up for HealthCare.Gov during Open Enrollment.
If you are getting a plan through another source shortly after open enrollment, you have two choices.
Either claim the short coverage gap exemption and pay the fee for the months you don’t have coverage or an exemption, or get a health plan for just the months you need it and then cancel it.
Simply signing up for the Marketplace triggers a Special Enrollment Period allowing you a short window to enroll (even after the open enrollment deadline).