ACA Open Enrollment Period: What Happens After It Ends?
The Affordable Care Act (ACA) Open Enrollment Period is the time of year when individuals and families can enroll in health insurance through the Health Insurance Marketplace. The Open Enrollment Period for 2023 coverage ended on January 15, 2023.
If you missed the Open Enrollment Period, you may still be able to enroll in health insurance through a Special Enrollment Period. A Special Enrollment Period is a time outside of the Open Enrollment Period when you can enroll in health insurance if you have a qualifying life event.
Qualifying life events include:
Losing your job and your employer-sponsored health insurance
Getting married or divorced
Having a baby or adopting a child
Moving to a new state
If you have a qualifying life event, you have 60 days to enroll in health insurance through a Special Enrollment Period.
What if I don’t have a qualifying life event?
If you don’t have a qualifying life event, you can still enroll in health insurance through the Health Insurance Marketplace, but you will have to pay a late enrollment penalty. The late enrollment penalty is a fee that you pay for each month that you are without health insurance. The penalty amount varies depending on your income.
How can I enroll in health insurance?
You can enroll in health insurance through the Health Insurance Marketplace by visiting HealthCare.gov or by calling 1-800-318-2596. You can also get help enrolling in health insurance through a licensed agent or broker.
What are my options if I can’t afford health insurance?
If you can’t afford health insurance, you may be eligible for financial assistance. Financial assistance can help you pay for health insurance premiums and out-of-pocket costs. To see if you qualify for financial assistance, you can visit HealthCare.gov or call 1-800-318-2596.
Don’t wait until the next Open Enrollment Period to get health insurance.
If you don’t have health insurance, now is the time to act. Even if you don’t have a qualifying life event, you can still enroll in health insurance through the Health Insurance Marketplace. If you can’t afford health insurance, you may be eligible for financial assistance. Don’t wait until it’s too late. Get health insurance today.
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