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Frequently-asked questions by category

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?

April 1, 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 didn’t enroll in a plan by the open enrollment deadline, what are my options? photo

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

April 1, 2021 – Q. If I didn't enroll in a health insurance plan by the end of open enrollment (December 15), what options do I have? A. In a normal year,… 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?

March 31, 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

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?

March 31, 2021 – 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 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?

March 30, 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 enroll in the exchange, will that coverage take effect immediately? photo

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

March 29, 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 buy ACA-compliant health insurance? photo

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

March 29, 2021 – What happens if I don't buy ACA-compliant health insurance? It depends on where you live and what medical care you end up needing during… Read more

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

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

March 23, 2021 – Q. What is the window to enroll in health insurance coverage for 2021? A. Open enrollment for 2021 health insurance ended December 15,… Read more

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

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? photo

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, 2021 – Aging out of your parent's coverage triggers a special enrollment period – as long as the coverage was minimum essential coverage.… Read more