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- November 1: Open Enrollment starts.
- December 15: Deadline to enroll coverage that starts January 1.
- January 15: Open Enrollment ends. Last day to enroll for coverage that starts February 1.
A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if youâve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.
Refer to glossary for more details.
Insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels.
Refer to glossary for more details.
Insurance program that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP covers pregnant women.
Refer to glossary for more details.
- Enroll by December 15 for coverage that starts January 1.
- If you enroll by January 15, coverage starts February 1.
A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if youâve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.
Refer to glossary for more details.
Insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels.
Refer to glossary for more details.
Insurance program that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP covers pregnant women.
Refer to glossary for more details.
- New to HealthCare.gov? Create an account to start an application.
- Have a 2024 plan? Log in to update your application, compare plans, and renew or change for next year.
The yearly period (November 1 â January 15) when people can enroll in a Marketplace health insurance plan.
Refer to glossary for more details.
Insurance program that provides free or low-cost health coverage to some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover all people below certain income levels.
Refer to glossary for more details.
Insurance program that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP covers pregnant women.
Refer to glossary for more details.
- For this year: Update your application with income and household changes right away. Learn how to report changes.
- During Open Enrollment: Log into your Marketplace account, and update the new application that's pre-filled with your current information. Then, choose a new plan or renew.
- Once you cancel your coverage, you might have to wait for the next to enroll again.
The yearly period (November 1 â January 15) when people can enroll in a Marketplace health insurance plan.
Refer to glossary for more details.
- There are significant health and financial benefits of having health coverage â and risks if you donât. Nobody expects to get sick or hurt. But medical care without insurance is very expensive, so itâs important to have protection if the unexpected happens.
- Health coverage helps you get regular care, including free preventive services, to keep you healthy. Learn about the benefits of health coverage.
- If you donât update your application or change plans between November 1 and December 15, youâll likely be automatically re-enrolled in the same plan (or a similar one) for next year. If you want to keep this plan, you donât need to do anything. You can still look at other available plans in case thereâs a better plan for you.
- If you want to change plans, update your application with any changes, review available plans, and pick a plan that meets your needs.
- If you didnât get a Marketplace letter: Contact the Marketplace Call Center. Before you call, log into your Marketplace account and check your messages. The letter may be there.Â
- If you didnât get a letter from your insurance company: Contact your insurance company, not the Marketplace.
A discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. In the Health Insurance MarketplaceÂź, cost-sharing reductions are often called âextra savings.â If you qualify, you must enroll in a plan in the Silver category to get the extra savings.
Refer to glossary for more details.