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Open enrollment is the period of time during which people can purchase health insurance through state ACA exchanges, either online or through a licensed agent.
The open enrollment period for 2018 begins on November 1st and ends on December 15th.
If you miss the open enrollment deadline, you might still be able to enroll if you’re eligible for what’s known as the Special Enrollment Period. Persons with significant personal changes such as getting married, having a child, or losing health insurance generally qualify for Special Enrollment.
Yes. You must reapply for insurance each year. Plans are not renewed automatically.
Your application should include your name, date of birth, home address, Social Security Number, primary sources of income, income tax status, and primary sources of income. You’ll need to submit the same information for any spouses or dependents if they’re also applying for coverage.
Any household without coverage in 2016 or 2017 paid $695 for every uncovered person or 2.5% of the household’s total income. The penalty for not securing coverage in 2018 has yet to be disclosed, but expect it to be the same, if not slightly higher.
After you’ve applied for coverage, you’ll receive a letter or e-mail confirming your eligibility and an Application ID. If you’ve received an Application ID, you can finish the enrollment process online, or with the help of a licensed agent.
Medicare is only available to Americans older than 65, though some younger people with permanent disabilities are also eligible.
Open enrollment for Medicare coverage in 2018 begins on October 15th and ends on December 7th.
Patients with Medicare Part A or B may be subject to some changes in coverage in 2018. All changes are outlined in the Medicare and You handbook. Patients with Medicare Part C or D will be mailed an Annual Notice of Change or Evidence of Coverage document that outlines any changes to coverage.
Patients with Medicare Part D can expect to pay about 3% less for drugs in 2018.
You can change your Medicare plan during the open enrollment period. Any changes will take effect on January 1st of the following year.
Your application for Medicare should include your date of birth, Social Security Number, current insurance information, employment history, banking information, and military service (if applicable).
Medicare is primarily designed for senior Americans. In contrast, Medicaid covers families with limited incomes.
About 20% of Americans covered by Medicare are also eligible to enroll in Medicaid.
You can apply for Medicare three months before your 65th birthday.