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