2019 Open Enrollment
Open Enrollment for 2019 health plans starts November 1, 2018.
The Open Enrollment Period is a time at the end of the year when Americans can choose to extend or change their health insurance policy. It is recommended that everyone go over their health insurance options every year, as policy offerings do change year by year. If you are looking for health insurance, it’s important to check to see what your deductibles are, what your policy covers, and if you should look for a different health insurance option due to your changed circumstances. A new policy may work better and be more affordable.
If you purchase health insurance during the Open Enrollment period, your health insurance policy will become active on January 1st of the upcoming year. For instance, if you want insurance in 2019, you’ll need to purchase health insurance between November 1st and December 15th, 2018.
Important dates to remember:
November 1, 2018: Open Enrollment starts — first day you can enroll, re-enroll, or change a 2019 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2019.
December 15, 2018: Last day to enroll in or change plans for coverage to start January 1, 2019.
Other Health Insurance Options
If you don’t purchase health insurance during the Open Enrollment period, you can still qualify for health insurance at other times throughout the year. Short-term health insurance is available, as is employee-based coverage, Medicaid, and CHIP. Many people qualify for insurance subsidies and tax credits to make health insurance more affordable.
American Indians, Alaska Natives, and individuals who qualify for Medicaid can purchase health insurance at any time throughout the year. Additionally, if you have a Qualifying Life Event, you can purchase health insurance at different times during the year.
What is a Qualifying Life Event (QLE)?
This refers to a major life change, which makes you ineligible for purchasing a health insurance plan during the Open Enrollment Period. Here are a few examples below.
- Marriage, divorce or legal separation
- Birth or adoption of a child
- Death of a spouse or child
- Change in residence or work location, which impacts the eligibility
- Your child fails to meet the plan’s eligibility rules (for example, the student status changes)
- You or your covered dependents gain or lose other coverage because of a change in employment status (for example, beginning or ending a job)
If you have a Qualifying Life Event, you’ll need to sign up for health insurance within 60 days of that change.
Get Assistance with Health Insurance
With the many changes to the health insurance industry in the United States, it can be difficult to keep up with all the important dates and policies that influence your eligibility for affordable healthcare policies. There are still health care Navigators in each state who can help individuals with the ins and outs of the Affordable Care Act and better understand what their options are. Many people may qualify for subsidies or Medicaid.
To learn more about changes to the Affordable Care Act and the Open Enrollment period for health insurance in 2019, contact the experts at HealthCoverageFast.com at 877-771-6866. Our licensed health insurance experts will be happy to answer any questions you may have.