Frequently-asked questions by category

enrollment

In most states, open enrollment runs from November 1 to December 15, 2019, with all plans effective January 1, 2020, but five states and Washington, DC have extended open enrollment.

What’s the deadline to get coverage during Obamacare’s open enrollment period?

September 17, 2019 – Q. What is the deadline to enroll in health insurance coverage for 2020? A. In almost every state, open enrollment runs from November 1… Read more

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

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

December 19, 2018 – Q: If a person opts out of buying insurance, gets in an accident and goes to hospital emergency room – what happens? A: When a… Read more

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

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

December 16, 2018 – 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… Read more

Woman asleep at desk with alarm clock showing

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?

December 13, 2018 – 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

Man running with laptop through a background of clocks

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

August 1, 2018 – 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

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

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

May 12, 2018 – Q: If I enroll in the exchanges, will that coverage take effect immediately? What's the earliest my coverage will take effect after I… 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?

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

January 22, 2018 – Q. I purchased healthcare insurance under the Affordable Care Act in Texas. I have now moved to Colorado. How do I transfer my coverage? A:… Read more

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

January 18, 2018 – The health reform law includes an individual mandate, requiring every American to have health coverage, with just a few exceptions. It… Read more

We’re moving 50 miles, but staying in the same state. Is that a qualifying event?

We’re moving 50 miles, but staying in the same state. Is that a qualifying event?

January 7, 2018 – Q. We have a health insurance policy through our state exchange. We're moving in July, but only about 50 miles away, and we're staying in… Read more

A boy wondering if he can enroll in a new health plan in open enrollment if his employer has a policy

My son is covered on my employer’s policy through July 31. Can he enroll in a new plan starting on August 1, or did he need to have purchased a plan during open enrollment?

January 5, 2018 – Q. My son is covered on my employer's policy through July 31, but because he's about to be 26, he'll have to find his own coverage. Can he… Read more

woman with rope tied around large clock to prevent premium grace period time running out

What happens if I don’t make my premium payment by the end of the grace period?

January 4, 2018 – Q. What happens if I don’t make my premium payment by the end of the grace period?A: If you fail to pay your premiums and exhaust the… Read more

My carrier is allowing me to renew my pre-2014 plan. Can I shop for a new plan instead?

My carrier is allowing me to renew my pre-2014 plan. Can I shop for a new plan instead?

January 2, 2018 – Q. I have an individual policy that I renewed last year. The plan year ends in March, but my carriers says I can renew it, although only… Read more