If your employer-sponsored insurance becomes unaffordable or stops providing minimum value, the change may make you eligible for a special enrollment period.| healthinsurance.org
As of the 2025 plan year, there will be 20 fully state-run health insurance marketplaces (SBMs), three state-based marketplaces that use the federal platform (SBM-FP), and 28 fully federally run marketplaces. Three of the SBMs had an SBM-FP model in 2021, but transitioned to their own enrollment platforms as of the 2022 plan year. Virginia joined them in the fall of 2023, and Georgia will also be running its own exchange platform by the fall of 2024. Illinois has enacted legislation to creat...| healthinsurance.org
ACA-compliant coverage is only available for purchase during the annual open enrollment period, but a special enrollment period allows people to sign up for coverage outside of that annual window. In most cases, this requires a qualifying life event.| healthinsurance.org
Federal penalties for being uninsured no longer apply since 2019, but some states are implementing their own coverage mandates. Find more info here.| healthinsurance.org
A list of the open enrollment deadlines for enrollment in 2025 ACA-compliant health insurance in every state. Open enrollment runs from November 1 to January 15 in most states, but some state-run exchanges have different schedules.| healthinsurance.org
Nathan Wilkes is a Colorado father who came face-to-face with the realities of lifetime maximum benefits on health insurance policies before the ACA eliminated them. His family exhausted their benefits on a private policy as well as CoverColorado, the state's high risk pool. Both policies had $1 million lifetime maximums, and Nathan's son Thomas has severe hemophilia that can cost that much in a year.| healthinsurance.org
The Affordable Care Act’s open enrollment period is the annual window during which individuals and families can compare the various health plans that are available and select the one that will best fit their needs for the coming year.| healthinsurance.org