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Frequently-asked questions by category

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?

June 23, 2022 – 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

Who can help if I have a problem with my ACA-compliant coverage or exchange enrollment? photo

Who can help if I have a problem with my ACA-compliant coverage or exchange enrollment?

June 15, 2022 – Here's where you should look for help if have trouble enrolling through a health insurance marketplace – or if you have issues with your… 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?

May 16, 2022 – 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 are the deadlines for the ACA’s open enrollment period? photo

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

March 6, 2022 – What are the deadlines to enroll in 2022 ACA-compliant health insurance in the individual market? Open enrollment for 2022 health coverage… 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?

March 2, 2022 – 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 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?

January 17, 2022 – Your options for coverage are very limited if you didn't enroll in a plan by the end of open enrollment in your state. The open enrollment… 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?

December 23, 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?

December 16, 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

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