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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

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Featured
6 lessons Mary Lou Retton’s health scare can teach us about coverage
Mary Lou Retton’s health scare story included some important lessons for consumers, many of whom may assume that the celebrity’s health scare is a sign of barriers to affordable health coverage.
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cooperatives

What are health insurance cooperatives?

Cooperatives or insurance cooperatives were proposed in the Senate as an alternative to a proposed government plan or public option. The cooperatives, which would have been structured as non-profits and owned by their members, would offer a network of health care providers or contract out for medical services.

The concept championed by some Democrats would provide “seed money” for the cooperatives, which would then be sustained by customer premiums. The final version of the ACA included Consumer Oriented and Operated Plans (CO-OPs), which became available in 24 states in 2014. Read this Commonwealth Fund history of health cooperatives.

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As of 2021, only three of the original 23 CO-OPs are still operational, after New Mexico's CO-OP closed at the end of 2020.

Legislation signed today provides substantial premium tax credits and cost-sharing reductions to Americans receiving unemployment benefits.