What You Need to Know About ACA Open Enrollment and How to Get Help Enrolling
Introduction
The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive health care reform law enacted in 2010. One of the key components of the ACA is the open enrollment period, which runs from November 1st to January 15th each year. This period allows individuals and families to enroll in health insurance coverage through the Health Insurance Marketplace.
What is Open Enrollment?
Open enrollment is a time when anyone can apply for health insurance coverage through the Health Insurance Marketplace. This is your chance to get coverage if you don’t have it, or to change plans if you’re not happy with your current coverage.
Who is Eligible for Open Enrollment?
Open enrollment is available to anyone who is a U.S. citizen or legal resident and who does not have access to affordable health insurance through their employer or a government program like Medicare or Medicaid.
How to Get Help Enrolling
If you need help enrolling in health insurance, there are a number of resources available to you. You can:
Call the Health Insurance Marketplace at 1-800-318-2596
Visit the Health Insurance Marketplace website at HealthCare.gov
Contact a licensed health insurance agent or broker
What to Do If You Miss Open Enrollment
If you miss the open enrollment period, you can still get health insurance, but you may have to pay a penalty. The penalty for not having health insurance is $750 per adult and $375 per child. There are some exceptions to the penalty, such as if you have a low income or if you recently lost your job.
Conclusion
Open enrollment is your chance to get health insurance coverage. If you don’t have health insurance, or if you’re not happy with your current coverage, I encourage you to contact a licensed health insurance agent or broker to get help enrolling in a plan that meets your needs.
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