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Wednesday
Oct282015

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 2016 enrollment

  • November 1, 2015: Open Enrollment starts — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016.
  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016.
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

If you don’t enroll in a 2016 health insurance plan by January 31, 2016, you can’t enroll in a health insurance plan for 2016 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.

 

Tuesday
Sep292015

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.