Open Enrollment for Health Insurance Begins. Ready – Set – Go!
Health Insurance Premium Assistance is Available for Those Who Qualify
According to VeryWellHealth.com (Norris, 2017), with the exceptions of four states, including Massachusetts, New Jersey, Rhode Island, California, and The District of Columbia, the federal individual mandate penalty for purchasing health insurance has been eliminated. That being said, with the advent of the Affordable Care Act (ACA) making health insurance more affordable for those who need it, no one needs to get caught in a situation where they are uninsured and end up in a lifetime of debt due to the financial repercussions of a health emergency. Subsidized insurance is available for free or low-cost for those eligible for services through Medicaid/CHIP and the ACA, and you may apply for these programs by linking to the resource information below.
Patient Protection and Affordable Care Act (ACA) (aka Subsidized Health Insurance) – November 1st – December 15th
- What is the Affordable Care Act? by HHS.gov
- Official Marketplace Dates and Deadlines | HealthCare.gov
- Get Marketplace health coverage outside Open Enrollment only with a Special Enrollment Period | HealthCare.gov
- HealthMarkets.com lists the Special Enrollment Deadline and Open Enrollment Period by State for states that use the federal Patient Protection and Affordable Care Act exchange.
- HealthCare.gov provides a resource to “see if you might save on Marketplace premiums, or qualify for Medicaid or Children’s Health Insurance Program (CHIP), based on your income. Or, find out who to include in your household and how to estimate income before you apply.”
MEDICAID/CHIP – Continuous Open Enrollment for Those Who Qualify for Benefits
- How to Qualify for Medicaid and CHIP Health Care Coverage | HealthCare.gov
- Medicaid and CHIP program names in your state
MEDICARE OPEN ENROLLMENT – October 15th to December 7th
- When does Medicare coverage start? | Medicare
- Medicare & You (in different formats)
- Medicare Information in Accessible Formats
- Your Medicare coverage choices | Medicare
- Medicare Plan Finder
- Helping You Navigate Medicare Advantage Plans
- When Can I Buy a MediGap Policy?
- AARP Medicare Plans from UnitedHealthcare
- Health coverage options for people who get Social Security Disability Insurance (SSDI) | HealthCare.gov
Can’t Afford Medicare Premiums and the Cost of Medication?
- Check out these Medicare Savings Programs. Enroll via Your State’s Medicaid Program.
- Check out the Medicare Prescription Drug Program EXTRA HELP (Part D). Enroll via the Social Security Administration.
Looking for Local Medicare Counseling Assistance?
Contact your State Health Insurance Assistance Program (SHIP), which is also known by different names in different states.
Medicare Advocates: Find Medicare and other health-related resources and training provided by the National Center on Law & Elder Rights (NCLER).