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Tag Archives: open enrollment

What do I need to know about health insurance?

You have probably heard of the Affordable Care Act (ACA), which is sometimes also referred to as ObamaCare, and that it now requires almost all Americans to purchase health insurance. There are some exemptions from this requirement, but it is very likely that you will need to find a health insurance plan that makes the […]

When can you buy government health insurance?

Government insurance has been available in the United States since 1965. But unlike other health care models around the world, government insurance is only available to some. You can only get government insurance if you fall under certain circumstances, such as income, disability, or age. If you or your family are able to get government […]

What do I look for when buying individual health insurance?

Buying health insurance is simpler than before the Affordable Care Act, but the choices are important for the best possible outcome for buyers. Insurers can no longer deny coverage. Obamacare ensures that the plans have a minimum value and essential health benefits. Obamacare also provides free services that help prevent illness and detect conditions early […]

When is the open enrollment period for health insurance?

Open enrollment is the period in which every eligible person has a right to purchase a qualified health plan that meets the requirements of the individual mandate. Insurance providers develop plans and present them for approval to state or federal agencies. Once approved, insurers offer these plans during the open enrollment period. Based on geographic […]

When can I switch health insurance?

Switch on the State or Federal Exchange Switching health insurance is relatively quick and easy during the open enrollment period and more difficult afterward. During open enrollment, one can renew coverage, select new coverage, and cancel a policy. After canceling, one can select a new policy. During open enrollment, one has a right to select […]

When is the last day to buy health insurance?

The last day to buy health insurance is the end of the open enrollment period. After the open enrollment, the rule is that consumers can no longer buy qualified health plans. The exceptions to the rule are for extensions and special enrollment periods. January 31, 2016, was the last day to buy health insurance for […]

When does health insurance take effect?

The individual mandate requires coverage on the first day of the calendar year and for the next twelve months. Every eligible person has a right to buy insurance during the open enrollment period. For most people, the easiest time to buy insurance is during the open enrollment period. When selecting a policy, comparison shopping is […]

What do I do when I have no health insurance?

Having no insurance¬†will cause a tax and penalty under the Affordable Care Act of 2010. The individual mandate requires that every eligible person gets and keeps qualified health insurance coverage. After open enrollment, one can avoid the penalty and tax by gaining a special enrollment, exemption, or using an extension. After open enrollment, those that […]

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