ACA Open Enrollment: Everything You Need to Know

The Affordable Care Act (ACA) is a federal law that was enacted in 2010. The ACA has made health insurance more affordable and accessible for millions of Americans. One of the key provisions of the ACA is the Open Enrollment Period.

The Open Enrollment Period is the time each year when you can enroll in or change your health insurance plan through the Health Insurance Marketplace. The Open Enrollment Period for 2024 runs from November 1, 2023, to January 15, 2024.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a website where you can compare and purchase health insurance plans. The Marketplace is run by the federal government and is available in every state except Idaho.

Who is eligible for the ACA?

Most people are eligible for the ACA. However, there are some exceptions. For example, you are not eligible for the ACA if you are:

A non-U.S. citizen
A legal immigrant who has not been in the United States for at least five years
Incarcerated in a jail or prison

What are the benefits of the ACA?

The ACA has many benefits, including:

Making health insurance more affordable for millions of Americans
Expanding access to health insurance for people with pre-existing conditions
Providing subsidies to help people pay for health insurance
Improving the quality of health insurance plans

How do I enroll in the ACA?

You can enroll in the ACA through the Health Insurance Marketplace. To enroll, you will need to create an account on the Marketplace website. You will then need to provide information about your income, family size, and health status. Once you have provided this information, you will be able to compare and purchase health insurance plans.

What if I miss the Open Enrollment Period?

If you miss the Open Enrollment Period, you may still be able to enroll in a health insurance plan. However, you may have to pay a higher premium. You may also be eligible for a Special Enrollment Period if you have a qualifying life event, such as losing your job or getting married.

I need help enrolling in the ACA.

If you need help enrolling in the ACA, you can contact a licensed agent. A licensed agent can help you compare and purchase health insurance plans. They can also answer any questions you have about the ACA.