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Enrolling in Health Insurance

Obamacare, officially known as “The Affordable Care Act,” established two types of health plans:

  1. Marketplace Plans and
  2. Short Term Plans.

 

Marketplace Plans are easiest to purchase During Open Enrollment. This is the type of plan that you ultimately want to have, so it is best to do everything you can to not miss Open Enrollment. The second type, Short Term Plans, is designed to provide you with health coverage until the next Open Enrollment Period.

The current Open Enrollment Period is November 1, 2016 to January 31, 2017. You must sign-up by December 15, 2016 in order to have your coverage begin on January 1, 2017.

What if you miss Open Enrollment?

It is still possible to get health insurance After Open Enrollment. If you have what is known as a “Qualifying Life Event” -- such as a birth in your household, marriage/divorce, change in jobs or employment status, etc. -- then you will be able to purchase a Marketplace Plan.

If you do not have a Qualifying Life Event, your remaining option is to purchase a Short Term Plan to ensure that you are covered and close any gaps in coverage until the next Open Enrollment.

If all this sounds confusing, don’t worry -- AffordableCareCalifornia.org has access to nearly every type of plan during and after Open Enrollment. All you have to do is enter your zip code or call [phone_number] to begin!