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Your guide to buying individual health insurance

With state enrollment extensions and special enrollment periods, millions of Americans can still buy ACA-compliant plans.

2018 Obamacare open enrollment continues

With all of the hype about December 15 being the “last day of open enrollment,” it’s easy to understand why many Americans believe their opportunity to enroll in ACA-compliant coverage has now passed, but for millions, that’s simply not the case.

There’s more time to enroll for many

It’s true that most of the exchanges adhered to a shorter (six-week) open enrollment for 2018 coverage that ended on December 15, but in many states, residents still have time. As exchange expert Louise Norris explains:


Don’t overlook special enrollment

But even if you’re not in one of those 10 states, not affected by a hurricane or didn’t lose your plan because your carrier left the market, you still shouldn’t give up hope of enrolling in an ACA-compliant plan.

Our updated Insider’s Guide to Obamacare’s Special Enrollment explains that there’s a long list of qualifying events that could result in a special enrollment period for you at any point during the year including:


Your reasons to enroll haven’t changed

If you’re wondering whether it still makes sense to enroll, consider this:

Subsidies can still greatly reduce your plan costs

Depending on your household income, you may still be eligible for premium tax credits (aka, premium subsidies) and possibly cost-sharing reductions (CSR, aka, cost-sharing subsidies).

  • Premiums subsidies are still available in the exchange for people with income up to 400 percent of the poverty level. (For 2018 coverage, a single person can earn up to $48,240 and be eligible for the premium tax credit, and a family of four can earn up to $98,400). Calculate your subsidy. In 2017, 84 percent of exchange enrollees received premium subsidies that covered an average of two-thirds of the total premiums.
  • The only thing that will change about premium subsidies for 2018 is that they’ll be larger than they were in 2017, since average premiums are increasing and the subsidies grow to keep up with premiums.
  • Cost-sharing subsidies are also still available in 2018, even though the Trump Administration has eliminated funding for cost-sharing reductions. People with income up to 250 percent of the federal poverty level still have access to Silver plans with reduced out-of-pocket costs.

A few reminders about affordable coverage

Given the premium volatility that we’re facing for 2018, it’s essential for anyone who is eligible for premium tax credits – or who might be eligible with an income fluctuation during the coming year – to enroll through the exchange. Don’t sign up for an off-exchange plan and miss out on the possibility of much more affordable premiums via a tax credit.

In general, the only people who should be enrolling off-exchange are those who are 100 percent certain that there is no way they will qualify for a premium tax credit during the coming year – keeping in mind that the premium tax credits are available well into the middle class (a family of four earning $98,400 is eligible for premium subsidies in 2018), and will be larger in 2018 than they were in 2017 in order to offset the higher premiums.

Remember that you have an option to either have the premium tax credit paid directly to your insurer each month to offset the amount you have to pay in premiums, or you can pay full price for your coverage each month and claim the full premium tax credit when you file your tax return. But either way, it’s only available if you enroll in a plan through the exchange. If you buy your plan off-exchange, there’s no way to claim the tax credit at the end of the year, even if your income ultimately ends up at a level that would have been subsidy-eligible.

Short-term and other Obamacare alternatives

We’re big fans of the Affordable Care Act and what it’s done to improve access to affordable coverage. We know that the law has delivered health insurance for millions who were unable to find affordable coverage on the individual market in the past. And – if at all possible – we strongly encourage our readers to take advantage of the comprehensive ACA-compliant coverage the law has provided.

At the same time, we do recognize that there is a segment of the individual market population that is facing daunting rate increases. We realize that their coverage options may be limited – at least for 2018 coverage.

To those consumers facing high premiums – perhaps because they’re in the coverage gap or their incomes make them ineligible for subsidies – we still would emphasize that some health coverage is always better than no coverage. The good news: there’s a wide range of short-term health coverage available that could provide a temporary safety net until you can find less expensive comprehensive coverage.

A guide to individual and family health insurance

As much as we love the Affordable Care Act, we know as well as anyone that the individual health insurance market continues to be a source of confusion for many consumers.

Since 1994, this web site has been a guide for consumers seeking straightforward explanations about the workings of individual health insurance – also known as medical insurance. Within this site, you’ll find hundreds of articles loaded with straightforward explanations about health insurance – and the health law – all written by a team of respected health insurance experts.

Our most popular resources include:


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

healthinsurance.org, your trusted guide for 23 years

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