I missed my chance to enroll in Obamacare for 2015 because of my lack of English ability and somehow I did not get the information about it.

When does next Obamacare start and how do I know it?

How can I get alternative insurance until that time?


The next open enrollment period for ObamaCare will be Nov 1st, 2015 – Jan 31, 2016. Enroll before Dec 15 for coverage starting Jan 1st, 2016. If you need coverage in the meantime you can look into special enrollment options. Outside of open enrollment you can get short term health insurance, but can't get minimum essential coverage (the type of coverage that protects you from the fee) unless you qualify for special enrollment or another type of coverage like Medicaid / CHIP. Open enrollment dates change annually so your best bet is to check HealthCare.Gov or our page on open enrollment for current dates and dates in 2017 and beyond.

We suggest in your case calling the Marketplace and explaining your situation. Your not understanding could potentially open the door for a special enrollment period by counting as a qualifying event. It's not an official one, but there are a number of exceptions and they offer help in a number of different languages.

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libby on

When can my son expect his insurance card he enrolled by dec. 15 /2015

ObamaCareFacts.com on

You can always call the insurer and follow up. It should never take too long, don’t have an exact answer though.

Anna Smith Fraser on

My son’s insurance with terminate with his employer, due to his letting go, on February 1st. Can we then apply after February 1 to gain Obamacare without paying the fee?

ObamaCareFacts.com on

Enroll up to 30 days before he loses coverage for coverage starting at or around the day he loses coverage.

So sign up and enroll for coverage now that starts ASAP. (likely the coverage will start Mar 1st as Feb 1st is very close).

Michelle Anderson on

I did not find my questions. I am recently divorced, my ex husband was paying for our policy. When I went to get a refill of medication I was told I do not have coverage. Since the divorce I do not have any policy number or access to the account. I have tried to apply for MEDI CAL and was told I DO have coverage. Can you help me with this asap?

ObamaCareFacts.com on

This is a question for HealthCare.Gov or Covered Ca by extension. You should call them immediately and coordinate with your ex. Tax credits in regards to divorce are one of the more complicated pieces and there are a few rules associated.

penny on

my sons insurance fund coverage will not cover his liver transplant
how can he get coverage for this $$$$ costly procedue thru ACA?

ObamaCareFacts.com on

The affordable care act offers assistance on private health insurance, you can appeal an insurers refusal of a service with the insurer, but you can only get a marketplace plan during open enrollment. That said, in states with Medicaid for low incomes Medicaid can be an option for someone who can’t afford medical bills and would have a low income.

The problem with the current healthcare system is there isn’t one answer for a question like this, it depends on the current plan, income, and the state you live in.

I would however suggest contacting healthcare.gov for direction.