Open Enrollment for ACA plans

 The Affordable Care Act is the official name for what many call Obamacare.  These plans are sold on the national exchange.  Several states, including Minnesota and Virginia, have developed ACA-type plans for sale on their state-based exchanges.  

Open Enrollment for Obamacare refers to the annual period when individuals can enroll in health insurance plans under the Affordable Care Act (ACA), commonly known as "Obamacare." During this time, people can sign up for new coverage, renew their existing plans, or make changes to their current health insurance plans through the Health Insurance Marketplace.

Here are key details about Open Enrollment for Obamacare:

1. When it Happens: 

a. The Open Enrollment period for 2024 coverage typically runs from November 1, 2023, to January 15, 2024.

b. Enrollments completed by December 15, 2023, will have coverage starting on January 1, 2024. Those enrolling later (between December 16, 2023, and January 15, 2024) will have coverage starting on February 1, 2024.

2. Who Can Enroll: 

a. Anyone who needs health insurance can sign up during this period. This includes individuals without employer-provided coverage, the self-employed, or anyone seeking to compare their current coverage with marketplace options.

b. Some people may also qualify for financial assistance to reduce premiums based on their income and household size.

3. Special Enrollment Periods (SEP): 

a. Outside of Open Enrollment, people can only sign up for or make changes to a health plan if they qualify for a Special Enrollment Period due to life events such as marriage, birth, loss of other health coverage, or relocation.

4. Plans Offered: 

a. Plans are divided into four metal categories: Bronze, Silver, Gold, and Platinum, each offering different levels of coverage and cost-sharing.

b. All plans must cover essential health benefits, like preventive services, prescription drugs, maternity care, and mental health services.

Our dental insurance plans offer coverage for routine dental care, including cleanings, fillings, and other dental procedures.  These plans are available through the exchanges.

Our vision insurance plans offer coverage for routine eye exams, glasses, and contact lenses.  These plans are not usually sold with the exchanges, but some carriers like Ambetter sells them as an option on the exchanges.

 The health insurance exchanges do not sell these plans, but they are available privately. Indemnity insurance plans can be a stand-alone policy or as a supplement to an ACA plan.  Short-term health insurance plans offer coverage for individuals and families who need temporary coverage for a specific time period. We also sell these plans.