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Frequently-asked questions by category

If someone decides to not buy health insurance and is injured in accident, what happens? photo

If someone decides to not buy health insurance and is injured in accident, what happens?

January 22, 2021 – If you're uninsured, don't expect free medical care in the event of an… Read more

My new job will offer health benefits. Can I drop my ACA coverage when those benefits start? photo

My new job will offer health benefits. Can I drop my ACA coverage when those benefits start?

January 20, 2021 – When you enroll in an individual health insurance policy, you're on a month-to-month contract.  So you can cancel anytime, effective at… Read more

I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage? photo

I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage?

January 18, 2021 – If you purchased ACA-compliant health insurance in Texas and you're moving to Colorado, you'll need to select a new Colorado plan rather… Read more

What are the deadlines for Obamacare’s open enrollment period? photo

What are the deadlines for Obamacare’s open enrollment period?

January 18, 2021 – Q. What is the window to enroll in health insurance coverage for 2021? A. Open enrollment for 2021 health insurance ran from November 1,… Read more

If I’ve enrolled in a plan for the new year, can I change my mind and pick a different plan? photo

If I’ve enrolled in a plan for the new year, can I change my mind and pick a different plan?

January 1, 2021 – Q. If I already enrolled in a plan for the new year, can I change my mind and pick a different plan instead? A. Yes, you can make multiple… Read more

If I don’t enroll in a plan by the open enrollment deadline, what are my options? photo

If I don’t enroll in a plan by the open enrollment deadline, what are my options?

December 16, 2020 – Q. If I don't enroll in a health insurance plan by the end of open enrollment (December 15), what options will I have? A. In most cases,… Read more

What happens if I don’t buy ACA-compliant health insurance? photo

What happens if I don’t buy ACA-compliant health insurance?

November 13, 2020 – The health reform law includes an individual mandate, requiring every American to have health coverage, with just a few exceptions. It… Read more

If I qualify for Medicaid, should I worry about the deadline for open enrollment? photo

If I qualify for Medicaid, should I worry about the deadline for open enrollment?

October 30, 2020 – Q. I've heard that Medicaid enrollment is year-round. So if I qualify for Medicaid, I don't need to worry about the December 15 end of open… Read more

Should I let my individual health insurance plan automatically renew? photo

Should I let my individual health insurance plan automatically renew?

October 21, 2020 – If you have a health plan in the individual market, on-exchange or off-exchange, you can probably just let it renew for the coming year… Read more

If I enroll in the exchange, will that coverage take effect immediately? photo

If I enroll in the exchange, will that coverage take effect immediately?

August 14, 2020 – If you enroll through your marketplace your coverage effective date mostly depends on whether you're enrolling during open enrollment or a… Read more

If I sign up for a Bronze plan during open enrollment, can I bump my coverage up to a higher level several months later if I find out that I need surgery? photo

If I sign up for a Bronze plan during open enrollment, can I bump my coverage up to a higher level several months later if I find out that I need surgery?

August 12, 2020 – Once you select a plan during open enrollment, you won't be able to change your policy until the next open enrollment period.… Read more

If I don’t make changes to my plan and just let it auto-renew for January, am I stuck with it for the rest of the year? photo

If I don’t make changes to my plan and just let it auto-renew for January, am I stuck with it for the rest of the year?

August 12, 2020 – Q. If I don't make changes to my plan and just let it auto-renew for January, am I stuck with it for the rest of the year? A. Yes, unless… Read more