2021 Obamacare Open Enrollment
2021 Obamacare Open Enrollment Is Here! Compare Carriers and Find the Right Coverage for You and Your Family Members.
Call Now: (855) 899-4814
2021 Obamacare Open Enrollment Is Here! Compare Carriers and Find the Right Coverage for You and Your Family Members.
Call Now: (855) 899-4814
Get Open Enrollment 2021 and Start You Full Year Coverage
The Affordable Care Act (also known as ACA or Obamacare), allows individuals to buy qualifying health plans through government-operated exchanges (marketplaces) or in the private health marketplaces. You can apply for available tax credits and subsidies through your state or federal exchange; but you can only purchase personal coverage on the government exchanges during open enrollment periods or when you have a qualifying life event.
If you want to apply for coverage through the Health Insurance Marketplace or your state’s health insurance exchange, you can apply several ways:
Enrolling online is the easiest way to compare multiple Obamacare plans thus saving you time and money. Enter your zip code in the above to compare open enrollment plans now.
The 2021 Obamacare Open Enrollment period is scheduled from
Sunday, November 1, 2020 to Tuesday, December 15, 2020.
California: | November 1, 2020 – January 31, 2021 |
Colorado: | November 1, 2020 – January 15, 2021 |
District of Columbia: | November 1, 2020 – January 31, 2021 |
Massachusetts: | November 1, 2020 – January 23, 2021 |
Minnesota: | November 1, 2020 – December 22, 2020 |
New York: | November 1, 2020 – January 31, 2021 |
Rhode Island: | November 1, 2020 – January 23, 2021 |
Pennsylvania: | November 1, 2020 – January 15, 2021 |
Nevada: | November 1, 2020 – January 15, 2021 |
Washington: | November 1, 2020 – January 15, 2021 |
New Jersey: | November 1, 2020 – January 31, 2021 |
There are plenty of things that have changed regarding how ACA operates for the 2021-2022 coverage year:
Even with the several new revisions to the 2021 affordable care act in the health marketplace, there are additional ways to help ensure you receive good, affordable insurance.
1. Meet 2021 Obamacare Open Enrollment Deadlines
The 2021 open enrollment only lasts 45 days. Most people need to enroll between November 1st, 2020 and December 15th, 2020 to get full year coverage starting January 1st, 2021. If you live in a state that runs its own exchange, please make sure to find out your deadlines and enroll on time.
2. Check to See If You Qualify for Tax Credits
Those who are uninsured aren’t always aware they can get financial assistance when buying on the exchanges to help offset insurance premium costs. Many who buy on the individual market qualify for ACA subsidies, according to a Commonwealth Fund report. Make sure to find out if you qualify for financial assistance before you enroll.
3. Shop Around and Review Multiple Plans Before You Make A Final Decision
To qualify for tax credits you must be on a marketplace policy. Also, keep in mind that cost-sharing assistance is only available with a silver plan. Don’t just keep the policy you have in 2020, because tax credit rates might change. If your marketplace doesn’t offer an insurer for 2021, you can buy on the private market, but you won’t be eligible for a premium reduction.
4. Get Help from Online Resources
Deciding which insurance plan is right for you can seem daunting. It gets complicated, so get the help you need to enroll and compare plans. You can use our free online quote service to help you compare multiple plans in just one click. Also, don’t forget to check our Open Enrollment 2021 – What You Should Know.
1. Get Short Term Health Insurance
Short term health insurance covers the policy holder for up to 12 months, which is ideal for some who are looking for coverage to fill a gap between regular policies. You can check out more details in our article Miss the Obamacare Deadline? Short Term Health Insurance Might Just Be What You Need.
However, because this kind of policy is not ACA-compliant, they don’t include coverage for pre-existing conditions. Keep this in mind if you do have pre-existing conditions.
2. Apply During Special Enrollment Period (SEP)
Special Enrollment Period (SEP) requires that you have experienced a life-changing event that kept you from applying during Open Enrollment Period.
You may be allowed to enroll in an ACA plan during the Special Enrollment Period if you:
Keep in mind that to qualify for SEP due to loss of health coverage you must have lost coverage within the past 60 days or expect to lose coverage in the next 60 days because of the qualifying event. For unanticipated qualifying events, you must apply within 60 days of the occurrence.
If you want to know more on ACA Special Enrollment Period, visit our article ACA Special Enrollment Period: Do You Qualify?
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