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People also ask
When is the ACA Open Enrollment Period?
When does health insurance start & end?
When does the marketplace open enrollment period start?
When can I enroll in ACA health insurance?
Oct 25, 2023 · In 2024, January 15 is a federal holiday; accordingly, consumers will have until midnight on Tuesday, January 16 (5 a.m. EST on January 17) to enroll in coverage. Consumers who enroll after December 15 but before the deadline in January will have coverage that starts February 1, 2024.
- Marketplace 2022 Open Enrollment Fact Sheet | CMS
The Marketplace Open Enrollment Period on HealthCare.gov...
- 2021 Special Enrollment Period Access Extended to ... - CMS
Today, President Biden announced that the Centers for...
- Marketplace 2022 Open Enrollment Fact Sheet | CMS
December 15: Last day to enroll in or change plans for coverage to start January 1. January 1: Coverage starts for those who enroll in or change plans by December 15 and pay their first premium. January 15: Open Enrollment ends — last day to enroll in or change health plans for the year.
Feb 13, 2024 · Key takeaways. Open enrollment runs from November 1 to January 15 in most states (for 2024, the deadline was January 16, 2024 in many states due to a federal holiday). What states had a January 16, 2024 deadline to enroll in 2024 coverage? What states did NOT use January 16, 2024 as their enrollment deadline for 2024 coverage?
- Open enrollment for 2024 health coverage began in nearly every state on November 1, 2023. (Some exceptions: It started on October 15 in Idaho, and...
- In 34 states, the deadline to enroll in 2024 individual/family health coverage is January 16, 2024. Nearly all of these states use HealthCare.gov a...
- Fully state-run exchanges (there are currently 19 of them) can set their own enrollment deadline, as long as it’s not earlier than December 15. Mos...
- Year-round enrollment is available for some populations and for some types of health coverage. This includes: Native Americans and Alaska Natives C...
- HHS had previously defined open enrollment as the window from November 1 to December 15, but state-run exchanges had the option to offer special en...
- Overview
- When can I apply for Obamacare?
- What are the Obamacare subsidies in 2024?
- Which ACA plan should I choose?
- Where can I find help in choosing an ACA plan?
- Takeaway
•Open enrollment for the Affordable Care Act, also called Obamacare, runs from Nov. 1 through Jan. 15, 2024, with most states following this timeline.
•Consumers can sign up online through HealthCare.gov or a state Marketplace, by calling the federal or state help line, or through an assister, agent or broker.
•Subsidies are available to some people to lower their monthly premiums or out-of-pocket costs. Many people will pay $10 or less per month for their plan.
The Affordable Care Act’s 2024 open enrollment period runs from Nov. 1 through Jan. 15, 2024, allowing people to apply for new health insurance coverage or make changes to their existing plan.
Last year, nearly 16.4 million Americans signed up for or were automatically re-enrolled in coverage on HealthCare.gov or through the state-based Marketplaces. That’s more than double the number who signed up during the first open enrollment for the Affordable Care Act (ACA), also called Obamacare, in 2014.
And thanks in part to the Inflation Reduction Act, 4 of 5 HealthCare.gov enrollees will be able to find coverage for next year for $10 or less per month, according to the Centers for Medicare and Medicaid Services.
Open enrollment on HealthCare.gov runs from Nov. 1 through Jan. 15, 2024. Because Jan. 15 is a federal holiday — Martin Luther King Jr. Day — the deadline has been extended to midnight Jan. 16 (5 am EST on Jan. 17).
You have to enroll by Dec. 15 for your coverage to start Jan. 1. If you enroll after Dec. 15, but before the January deadline, your coverage will start Feb. 1.
Katie Charleson, communications officer at Silver State Health Insurance Exchange, which operates Nevada’s online Marketplace, recommends not putting off signing up for a health plan.
“Get it out of the way — sooner rather than later is always advised — especially since the holidays are a really busy time of year,” she told Healthline.
Most states follow the same timeline, although in California, it runs through Jan. 31, and in Idaho, it runs from Oct. 15 through Dec. 15.
To see the deadlines for your state, check with your state’s health insurance Marketplace website or go to healthinsurance.org.
Two types of Obamacare subsidies may be available to you:
•A premium tax credit that lowers the amount you pay each month for your health insurance plan.
•Cost-sharing reductions reduce the amount you must pay for out-of-pocket costs such as deductibles, copayments, and coinsurance. You will also have a lower “out-of-pocket maximum,” the total you must pay in a year. If you qualify for this reduction, you must enroll in a plan in the silver category to receive this benefit.
A deductible is the amount you pay for medical expenses before your plan starts covering them. For example, if you have a $750 deductible, you pay the first $750 in medical costs (except for free preventive services), and then your plan kicks in.
Copayments and coinsurance are the payments you make each time you get medical care. For example, you may have to pay a $10 copayment for each doctor visit.
You will find out if you qualify for either subsidy after you apply at HealthCare.gov or through a state Marketplace. You can also use an online calculator at HealthCare.gov to estimate how much you might get in subsidies.
There are four categories of plans in the Marketplace — bronze, silver, gold and platinum. Each has different costs and different benefits.
However, they all offer the same essential benefits, including free preventive services, outpatient care, inpatient/hospital care, mental health services, pregnancy and maternity care, and prescription drug benefits.
Your choice of level will affect your costs for healthcare services. For example, Bronze plans have the lowest premiums but usually higher out-of-pocket costs, such as deductibles, copayments and co-insurance. If you select a plan with a higher premium, those out-of-pocket costs may be lower.
Some plans also offer other benefits, such as:
•dental
•vision
You can find the answers to many of your questions at HealthCare.gov, or by calling the call center at 1-800-318-2596.
You can also find an agent, broker or assister by clicking on the “find local help” button on the Healthcare.gov website. State healthcare Marketplaces have similar tools.
Assisters can help you apply and enroll for a health plan through HealthCare.gov or a state Marketplace. However, they are not licensed as insurance agents or brokers, so they can’t make specific recommendations about plans.
Charleson said Nevada, which runs its own Marketplace, has a network of almost 900 assisters who can help people in the state find and sign up for a plan. Their assistance is free.
“They are the experts,” she said. “They can make sure that whichever plan you choose, you’re getting one that’s going to work best for you.”
Agents and brokers, who are licensed by the state, can also show you Marketplace plans. But they might also offer you plans outside of the Marketplace or plans that don’t meet the ACA requirements, such as short-term insurance.
The Affordable Care Act’s 2024 open enrollment period allows people to sign up for health insurance coverage or switch to a new plan. To ensure that you have coverage on the first day of the year, sign up early, typically by Dec. 15.
People can sign up through the federal government’s HealthCare.gov website. Some states run their own health insurance Marketplace. People can also call the federal or state helpline, or contact a local assister, broker or agent to find help signing up for a plan.
- Shawn Radcliffe
Oct 31, 2022 · Beginning Tuesday, November 1, 2022, consumers are able to sign up for high-quality, affordable health insurance on HealthCare.gov. Marketplace Open Enrollment runs from November 1, 2022, to January 15, 2023. Anyone who enrolls by midnight December 15, 2022 can get full-year coverage that starts January 1, 2023.
