Open enrollment for individuals who purchase their own health insurance starts November 1 this year. Enrollment runs from November 1, 2019 to December 15, 2019. This is your annual opportunity to purchase or change individual health insurance coverage. If you sign up during the open enrollment period, you are covered as of January 1, 2020.
If you already have an individual or family health plan, this is the only time of year to make changes to your coverage. You may only enroll for coverage at other times if you qualify for a special enrollment period (for example: if you lose other health coverage).
You may also qualify for tax credits that will make the cost of health care coverage more affordable. To qualify for tax credits, you must complete an application at the Federal Marketplace website. If you do not qualify for tax credits, you do not need to seek coverage from the Federal Marketplace. You can purchase coverage directly from the insurance carriers who participate.
After December 15, you can enroll in 2020 health insurance only if you qualify for a Special Enrollment Period (SEP). You qualify for a Special Enrollment Period if you’ve experienced certain life events:
- Losing health coverage
- Getting married
- Having a baby
- Adopting a child
- Death of someone on your plan
- Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP)
- Starting or ending service as an AmeriCorps State and National, VISTA, or NCCC member
- Leaving incarceration
If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a plan. If you miss that window, you have to wait until the next Open Enrollment Period to apply.
We are happy to assist you in the enrollment process to see if you’re eligible for financial assistance, and to help you purchase a plan that meets your needs.