For women in the US, health insurance has come a very long way in the last decade, thanks in large part to the dramatic improvements and consumer protections brought about by Obamacare. This is particularly true in the individual market, where previous reforms and mandates had rarely applied.| healthinsurance.org
The U.S. Department of Health and Human Services has finalized a special enrollment period in states that use HealthCare.gov, granting year-round enrollment in ACA-compliant health insurance if an applicant’s household income does not exceed 150% of the federal poverty level and if the applicant is eligible for a premium tax credit.| 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
The monthly premiums you pay in order to have coverage are not included in out-of-pocket costs. Out-of-pocket costs are only incurred if and when you need medical care, whereas premiums have to be paid every month, regardless of whether you need medical care or not.| healthinsurance.org
According to Kaiser Family Foundation data, there are about 1.9 million people in the coverage gap across nine states (this does not include North Carolina, as Medicaid expansion will take effect there in late 2023). They aren't eligible for Medicaid, nor are they eligible for premium subsidies in the exchange.| healthinsurance.org
Need more info about Medicaid in your state? Get updated information on the current status of Medicaid expansion, along with general information about each state’s program.| 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
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
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
Short-term health insurance plans provide temporary health insurance for consumers who may find themselves without comprehensive coverage. Learn more about short-term plan availability in your state.| healthinsurance.org