You can switch plans mid-treatment but cost sharing doesn’t carry over from plan to plan so in most cases you should stick with the plan you are on until the end of the policy period.
Health insurance can only drop you during your policy year for non-payment, fraud, or misrepresentation. You can appeal any insurer decision.
Health insurance can only be obtained during open enrollment. This applies to coverage inside and outside of ObamaCare’s Health Insurance Marketplace.
Unmarried domestic partners may be able to share health coverage (domestic partner benefits) depending upon the state, employer, and filing status.
If you attend college you can get a Marketplace health plan with assistance or get a student health plan through your school, Medicaid may also be an option.
If ObamaCare is repealed those who get cost assistance and those with preexisting conditions could lose coverage options.
Travelers health insurance and short term health insurance can start as soon as the insurer allows after the payment is processed. This can mean getting coverage within 24 hours in some instances.
If you switch plans mid-year what you paid toward your deductible or out-of-pocket maximum will reset. This can be avoided with a multi-state plan.
If you have a plan you don’t like, for instance due to cost, you can switch plans via special enrollment or look into supplemental options. That being said for private insurance there isn’t really a supplemental option that makes financial sense.
If someone travels often inside and outside the US, but lives in the US they still need health insurance. We suggest a multi-state plan, that will cover the person no matter which state they travel in. BCBS offers multi-state plans for example. The person should also get some sort of travelers insurance for when they travel outside of the US (although that part isn’t required by law).
In many states you don’t need an income to get Medicaid or CHIP, if your state didn’t expand Medicaid you can consult a local non-profit hospital, public hospital, or other assistance program for help.
If you have TRICARE, including TRICARE prime, it counts as minimum essential coverage and you don’t need ObamaCare coverage and can’t get cost assistance.
Under the Affordable Care Act (ObamaCare) there many ways to get covered including the new Health Insurance Marketplace and new Medicaid options. Those aren’t your only options, but are the only options that qualify for cost assistance.
If you didn’t get or lost your health insurance card simply call your insurer and request a copy, an insurer can tell your info and fax a copy to your doctor.
If you need temporary coverage, but want minimum essential coverage that can protect you from the fee, go with a Marketplace plan.
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
If you enrolled in a plan and paid your premium, but don’t have your insurance card yet, you can call your insurer and collect the information you need.
Whomever files for a dependent is responsible for their coverage and will owe the fee if the dependent doesn’t obtain and maintain coverage or an exemption.
You’ll need to renew your health plan each year, even if it’s on auto-renew you’ll want to check the plan benefits and cost assistance amounts.
Owning a home and other assets don’t affect ObamaCare subsidies or Medicaid. Those are both based on household income.
Typically you can’t change a health plan after enrolling, however on ObamaCare’s Marketplace plans you can adjust the amount of cost assistance you get.
If you enroll and then don’t pay your premium and get cancelled you don’t qualify for special enrollment. One of the only events that doesn’t qualify you for special enrollment if failure to pay.
Short term and travel insurance are sold by private companies, they don’t count as coverage under the ACA, but if you’ll have a less than three month gap you won’t owe a fee.
TRICARE is government run healthcare, the benefits being a lack of middlemen. ACA is quasi-private (private insurers and public subsidies) plus expanding public Medicaid.
All necessary treatments are covered under all major medical insurances up to an allowed amount. Number of treatments may be limited and are subject to cost sharing.