Outside of the ACA's open enrollment period, you can only sign up for ACA-compliant health coverage if you qualify for a special enrollment period.| healthinsurance.org
As of 2023, the IRS has fixed the ACA's "family glitch." The family glitch previously made millions of Americans ineligible for premium subsidies in the exchange, even though their cost for employer-sponsored family health coverage was unaffordable. This disproportionately affected lower-income families.| healthinsurance.org
Immigrants can enroll in ACA-compliant individual health insurance just like any other lawfully present U.S. resident. Lawfully present immigrants are eligible for premium subsidies.| 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
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
The ACA's subsidy cliff has been temporarily eliminated (through 2025), saving some health insurance buyers thousands of dollars per year.| healthinsurance.org