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Frequently-asked questions by category

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

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

November 1, 2021 – What are the deadlines to enroll in 2022 ACA-compliant health insurance in the individual market? Open enrollment for 2022 health coverage… Read more

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

Should I let my individual health insurance plan automatically renew?

September 27, 2021 – 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

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?

September 14, 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

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 18, 2021 – After open enrollment ends, you normally can't change your policy until the next open enrollment period, unless you experience a qualifying… 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 18, 2021 – 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

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

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

August 18, 2021 – A move that doesn't take you out of state may still be a qualifying event. It depends on whether the health plans available in your new… 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?

August 18, 2021 – 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

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?

August 18, 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?

August 18, 2021 – In a normal year, your options for coverage are very limited if you didn't enroll in a plan by the end of open enrollment in your state.… Read more

Can I buy coverage in the exchange that starts January 1 and stop paying for my COBRA insurance at that point? photo

Can I buy coverage in the exchange that starts January 1 and stop paying for my COBRA insurance at that point?

August 18, 2021 – Q. After I lost my job, I went on COBRA which lets me keep my former employer's insurance for 18 months. It is good insurance, but more… 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 16, 2021 – If you enroll through your marketplace your coverage effective date mostly depends on whether you're enrolling during open enrollment or a… Read more

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

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

July 22, 2021 – 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