ACA Archives - Healthedly Insurance Services

What you need to know about Open Enrollment Period

Everything you need to about Open Enrollment this year

Open Enrollment period, the most wonderful time of the year, is upon us. This period usually happens at the same time of every year, from November to January, and gives people the opportunity to find the right coverage that fits their individual needs, financial situation, and employer network.

Here is everything you need to know about open enrollment for 2023 and finding the right health insurance coverage.

When is Open Enrollment?

November 1, 2022 marks the day Open Enrollment begins this year. Starting November 1, you can enroll or re-enroll in health coverage for 2023, or even change that insurance plan.

Dec 15, 2022 is the last day you can enroll or change up your plan for any coverage set to start on January 1, 2023.

2023 coverage becomes effective on January 1, 2023 for anyone who enrolled by December 15.

February 1, 2023 is the day that health coverage begins for those who enrolled between December 16, 2022 and January 15, 2023.

What do you need for Open Enrollment?

Make sure you have all the information necessary to enroll, as well as information for your dependents if applicable. Ensure you have all your IDs on hand as well as your employer and income information. Also, you may get savings on health coverage.

What is the ACA?

The Affordable Care Act, or Obamacare, makes health insurance accessible to individuals and families who otherwise couldn’t obtain insurance. You can talk with an agent TODAY at 855-522-2201 about what you are eligible for and the kind of healthcare coverage you can access.

Open Enrollment Period is here, and if you aren’t sure where to even start with health insurance, what you qualify for, or the insurance quote you might be eligible for, then you need to know that Healthedly is here to help! Our agents are ready to help you find the best coverage for your individual needs, so don’t hesitate to get started TODAY!

November 1, 2022

The Quick and Easy Guide to Open Enrollment for Health Insurance in 2023

ACA, General

A stethoscope and an open enrollment medical insurance form.

Open enrollment for health insurance in 2023 will be here sooner than you might think.

The earliest you can sign up for 2023 coverage through the federal government health insurance marketplace is Nov. 1, 2022, according to Healthcare.gov. General enrollment ends on Jan. 15, 2023.

It’s crucial to have a plan and make sure you find and purchase the health coverage you need before the open enrollment period ends. Otherwise, you may not be able to secure coverage or need to wait to see if you qualify for a special enrollment period.

There are plenty of questions about open enrollment for 2023. We’ll answer some of the most frequently asked questions to help you make a more informed decision about your health care and insurance coverage.

Can I get Health Insurance Outside of Open Enrollment in 2023?

Yes, but only if you have a qualifying life event during that time. The Kaiser Family Foundation (KFF) points to these qualifying events that open up special enrollment, including:

Loss of coverage (leaving a job that provided insurance, for example)
Loss of dependent status
Income increases or decreases that affect health care marketplace eligibility
Marriage
Change in immigration status

Additionally, if you’re close to age 65, you can sign up for Medicare once you are three months away from your birthday. You can also explore Medicare Advantage, Supplement and Prescription Drug coverage.

Outside of those situations and a few others, you may not be able to purchase coverage outside of open enrollment for health insurance in 2023.

What if I Miss Open Enrollment for Health Insurance?

You can purchase short-term insurance from a private carrier if you miss open enrollment. These plans are an effective way to make sure you have some coverage. However, making sure you take action during open enrollment is your best option.

When Does Health Insurance Start After Open Enrollment?

The KFF explains that coverage can start at two points, assuming the first premium payment is made on time:

Enroll by Dec. 15, 2022, and coverage begins on Jan. 1, 2023.
Enroll after Dec. 15, 2022, and coverage begins on Feb. 1, 2023.

Can I Add My Spouse to My Health Insurance After Open Enrollment?

You can add a spouse to your health insurance within 60 days of your marriage. Otherwise, you generally need to wait until the next open enrollment period.

Will Pre-Existing Conditions be Covered in 2023?

Yes, pre-existing conditions are covered in 2023. An insurer in the health insurance marketplace can’t deny you coverage due to an existing medical issue.

Finding Health Insurance Coverage You Can Count On

There’s still time to look at health coverage, compare prices, and find a plan that works for you. Be prepared for open enrollment and start making your plan today.
Still looking for the right Health Insurance Plan? Browse available plans here!

September 14, 2022

HealthCare.Gov Offers Affordable HealthCare Plans

ACA, Individual and Family

New Law. Lower Prices. More Qualify.

With new law passed in the most recent calendar year, people who buy healthcare through Marketplace hubs are able to save more with more affordable premiums. A majority of suitors who find health plans through HealthCare.gov can fin plans for less than $10 a month.

There’s more than one way to enroll in Marketplace coverage. If you would like help from an agent or broker, or would like to enroll through one of our certified enrollment partners, you can visit here.

Don’t forget that it’s never too late to enroll with Healthedly Insurance Services for your life insurance.

Also, utilize these resources to help navigate what you’re looking for: