With an ACA (Affordable Care Act) health plan, you pay a monthly premium and typically a co-pay when you visit your doctor. When choosing your plan, it is important to look at the deductible, which is the amount of money you pay before your insurance “kicks in”, and your out-of-pocket maximum, which is the total amount of money you pay annually before your insurance covers you 100%. These plans cover preexisting conditions, you may be able to get a subsidy which can make them affordable. You an apply from November 1st 2023 to January 15th 2024 in most states. Plans sold during Open Enrollment start as early as January 1st 2024.
Some life events let you sign up for a health plan outside of open enrollment. This is called a Special Enrollment Period (SEP). Qualifying life events include job loss, birth, adoption, marriage, and more. You have 60 days from the event to apply for a special enrollment period.
Examples of Qualifying Life Events:
- Marriage or entering a domestic partnership*
- Birth
- Adoption or foster care
- Receipt of a court order (including child support)
- Loss of a dependent or dependent status due to death, divorce or legal separation*
- A change in income* (eligibility change)
- Loss of other health coverage (because of job loss, divorce, eligibility change, etc)
- Moving
- A change in citizenship or lawful presence status
- Release from prison
- Loss of free COBRA coverage
*This is for currently enrolled customers with previous health coverage.
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