If you or your spouse become eligible for health insurance from a program like Medicaid or Medicare it counts as a qualifying life event and you can change your coverage. The same is true for losing eligibility for one of those programs.
Under the Affordable Care Act (ObamaCare) you can only get coverage that qualifies for cost assistance and offers all of ObamaCare’s benefits during each year’s open enrollment peroid.
Generally, you should sign up for the marketplace ASAP and then enroll in a marketplace plan starting 60 days before your old coverage ends.
We cover 5 steps to take to get the best medical insurance you can afford so you can get the best deal on health insurance available to you.
How Do I Use Healthcare.gov to Sign Up, Shop For Plans, Get Assistance, and Enroll in Health Insurance? We explain how to use the official Health Insurance Marketplace HealthCare.Gov to sign up, shop for coverage, get assistance, and enroll in a health plan. First, to get started, you will need to go to HealthCare.Gov and select your state… Read More
Everything You Need to Know About Open Enrollment Get covered during open enrollment under the Affordable Care Act. Open enrollment starts Nov 1st and ends Dec 15th in most states. Unless you have access to coverage through work, Medicare, or another source, open enrollment is the only time of year you and your family can… Read More
How to Get Help With Health Insurance When Healthcare.gov is Down We explain what to do when the Healthcare.Gov Marketplace website is down during open enrollment. One option is to get help from a qualified broker. This can either involve calling a HealthCare.Gov approved broker, or calling HealthCare.Gov directly at 1-800-318-2596 (TTY: 1-855-889-4325) (although if the… Read More
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 you move to a new state you have 60 days to enroll in a plan via special enrollment in that states Marketplace. There will never be an instance where you move out of state and aren’t allowed to enroll in an individual health plan
The best way to provide coverage for another person who you don’t file taxes with is to look into their cost assistance options through ObamaCare first and then look at private or employer options.
You can switch health plans via ObamaCare’s special enrollment every time you have a qualifying life event, even if it’s the same event more than once.
You can’t switch plans outside of open enrollment unless you have a qualifying life event that qualifies you for special enrollment.
If you enroll in a policy and never pay the first month premium then the policy never starts. You should still attempt to cancel the policy to avoid potential tax issues
If you get a job that offers health insurance you will become ineligible for cost assistance once that coverage starts, thus you should drop the ObamaCare plan as close to your new coverage start date as possible avoiding owing back tax credits and a gap in coverage.
When COBRA ends it triggers a 60 day special enrollment window to enroll in HealthCare.Gov or your state’s Marketplace. Enroll before COBRA ends to avoid gaps in coverage.
If a family member wasn’t added to a family plan during open enrollment they won’t be able to be added until next open enrollment unless they qualify for special enrollment.
On this page we walk you through steps to canceling an ObamaCare plan (a plan purchased on the Health Insurance Marketplace) and canceling Medicaid and CHIP. We also go over some important advice to consider before you cancel. Read the advice below or simply go to HealthCare.Gov to begin the cancellation process. You can cancel by… Read More
If you have a disability you can get ObamaCare. Cost assistance eligibility is based on household MAGI income, disability income can count toward MAGI.
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 a spouse moves and thus a dependent loses coverage the other spouse can claim the dependent and use special enrollment to add them to a family plan.
If you purchase insurance during open enrollment it won’t start until the 1st of January, if you enroll after December 15 it starts February 1st.
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.
There is no age limit for getting a Marketplace plan, but you must be over 18 to enroll in your own plan and must not have access to Medicare.
You can only add a dependent to a family plan outside of open enrollment if they have a qualifying life event.
You can appeal any HealthCare.Gov or state Marketplace decision in regards to coverage or cost. Typically the process will take 90 days at most.