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ACA Health Insurance: How to enroll and when to enroll

To enroll in a scheme approved under the "Affordable Care Act (ACA)" (otherwise known as ObamaCare), you need to make an application during an open enrollment period.

Important dates for 2017/8 enrollment

  • This year we only have 45 days for open enrollment from Nov 1 to Dec 15th

If you don’t enroll in a 2018 health insurance plan by December 15, 2017, you can’t enroll in a health insurance plan for 2018 unless you qualify for a Special Enrollment Period*.

If you choose to get help from a broker, we will help you with the compliance paperwork as part of our service to you.



*A time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the Marketplace, you qualify for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. Job-based plans must provide a special enrollment period of 30 days.



Do I have to purchase health insurance?

It is a requirement under US Law (namely the Affordable Care Act) that everyone should purchase health insurance or pay a fine.

The Obamacare penalty, also known as the Individual Mandate, requires U.S. citizens under the age of 65 to enroll in a health insurance plan or pay a fine. For 2015, not carrying insurance will cost $325 per adult plus $162.50 per child (up to $975 per family) or 2 percent of your family’s income, whichever is more. The fee will increase each year with inflation.