The Affordable Health Care Plan

Also known as the ObamaCare 2021 Open Enrollment period will start November 1, 2020, and end on December 15, 2020. With that in mind, some states extended open enrollment until January 2021.

Affordable care enrolledment get a quote today - Affordable Care Act

The Affordable Care Act

Open enrollment is the only time you can enroll in a health plan on the individual market without qualifying for special enrollment.

That means if you want to get cost assistance and avoid the monthly fee in 2021, you’ll need to get covered during open enrollment 2021 (which starts and ends in 2021 in most states).

Affordable Care Benefits

The Affordable Care Act provides Americans with better health security by putting in place comprehensive health insurance reforms that will:

Expand coverage,
Hold insurance companies accountable,
Lower health care costs,
Guarantee more choice, and
Enhance the quality of care for all Americans.

Save on your healthcoverage insurance 2018 - Affordable Care Act
Why wait for the unexpected, be prepared for what life bring you.
Why wait for the unexpected, be prepared for what life bring you.
Who needs Obamacare - Affordable Care Act

Short Term Health Insurance

The Affordable Care Act created an annual open enrollment period when anyone can buy major medical health insurance. If you need temporary health coverage outside of open enrollment but you haven’t had a qualifying life event, short-term coverage can be a good option to meet your coverage needs. Short-term coverage can also protect you while you’re waiting for employer-based coverage to begin.

What about Medicare?

Medicare has a unique open enrollment period as do other types of health insurance sold outside the private individual and family market. If you qualify for Medicare, you don’t have to worry about Obama Care for yourself (although you are still responsible for ensuring your tax family gets covered if you are the head-of-household). Learn more about Medicare.
Is medicare the right plan for me - Affordable Care Act

Pre-Existing Conditions

Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

These rules went into effect for plan years beginning on or after January 1, 2014.

What This Means for You

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. They cannot limit benefits for that condition either. Once you have insurance, they can’t refuse to cover treatment for your pre-existing condition.


Life changes that can qualify you for a Special Enrollment Period

Changes in household

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:

  • Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
  • Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
  • Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
  • Died. You’ll be eligible for a Special Enrollment Period if someone on your Marketplace plan dies and as a result, you’re no longer eligible for your current health plan.

Changes in residence

Household moves that qualify you for a Special Enrollment Period:

  • Moving to a new home in a new ZIP code or county
  • Moving to the U.S. from a foreign country or the United States territory
  • If you’re a student, moving to or from the place you attend school
  • If you’re a seasonal worker, moving to or from the place you both live and work
  • Moving to or from a shelter or other transitional housing

Note: Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for a Special Enrollment Period.

Important: You must confirm you had qualifying health coverage for one or more days during the 60 days before your move. You don’t need to provide confirmation if you’re moving from a foreign country or U.S. territory.

Loss of health insurance

You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days OR expects to lose coverage in the next 60 days.


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