Affordable Care Act Open Enrollment Begins November 1
It doesn’t have to be scary. We can help.
What is Open Enrollment?
Major Medical Open Enrollment is traditionally the annual period during which anyone may enroll in a new major medical health insurance plan, or may make changes to their current coverage/plan. Since the implementation of the Affordable Care Act (ACA), no one can be refused coverage for having pre-existing conditions.
Do it today – Open Enrollment is on now, and ends January 16, 2025
Register in the Marketplace and begin your ACA Quote and Enrollment
Timeline & Tips
Open Enrollment for the 2025 plan year begins on November 1, 2024.
- Now is the time to review your current health insurance plan(s) or sign up for a new plan.
- Our licensed agents are here to help toll free at 877.267.3752 Monday through Friday, 7:00 AM to 5:00 PM CST.
- Items to consider when you are thinking about any possible changes are the Rxs you currently use, ages of family members you wish to cover, chronic conditions, and the ways you use healthcare providers today
How do I know what to do?
Based on where you live, you will have to visit your State or the Federal Exchange. Please see this guide, where we explain where you should begin looking for health insurance
»» Get Started with your ACA Enrollment ««
The Major Medical Health Insurance Exchange provides easy access to ACA-qualified health plans, including:
- HMOs (Health Maintenance Organization)
- PPOs (Preferred Provider Organization)
- High Deductible health plans
- Health Savings Account qualified high deductible health plans
The Exchange allows you to quickly sort ACA-qualified plans by multiple variables, including carrier, deductible(s), price, types of plans, types of coverage, and more.
Need help?
Complimentary consultative services are a key part of the benefits available to you and this service is available year-round. Benefit specialists are available via phone to personally consult and advise you on your individual insurance needs. Whether it’s a traditional plan or other innovative options offered as an alternative or as part of a cost-saving strategy. Get help today at 1-877-267-3752.
What happens if I miss Open Enrollment?
Outside of Open Enrollment, you may enroll in a major medical health insurance plan only if you qualify for a Special Enrollment Period. These Special Enrollment Periods (SEPs) are based on certain triggering events. Triggering events that permit a Special Enrollment Period include but are not limited to:
- Marriage or Divorce • Adoption/Placement of Child • Job Loss • Determination that an individual is newly eligible or ineligible for premium tax credits or a change in eligibility for cost-sharing reductions • Permanent move to an area where different QHPs are available
In most cases, your eligibility for a SEP will extend for 60 days from the date of the triggering event.
Enrolling In Affordable Care Act Certified Health Insurance
Understanding Federal & State Exchanges and Private Marketplaces
Last Updated November 1, 2024
About This Guide
Understanding your health insurance options can be frustrating. There are multiple exchanges and marketplaces to search for plans. You may also qualify for state and federal subsidies. In this guide, we explain where you should begin looking for health insurance based on the most common circumstances.
What State Do You Live In?
AK, AL, AZ, AR, DE , FL, GA, HI, IL, IN, IA, KS, LA, MS, MO, MT, NE, NH, NC, ND, OH, OK, OR, SC, SD, TN, TX, UT, VA, WV, WI, WY
CA, CO, CT, DC, ID, KY, MA, ME, MD, MN, NV, NJ, NY, NM, PA, RI, VT, or WA
The Federal Health Care Marketplace
Persons living in AK, AL, AZ, AR, DE , FL, GA, HI, IL, IN, IA, KS, LA, ME, MN, MS, MO, MT, NE, NH, NC, ND, OH, OK, OR, SC, SD, TN, TX, UT, VA, WV, WI, WY
Shop For An Affordable Care Act Certified Health Plan
Most people will shop at a private health insurance marketplace to look for Affordable Care Act health insurance.
Advantages of Private Health Insurance Marketplaces
- Same plans as the federal marketplace with the same prices
- Synchronizes with the federal marketplace to check for subsidies
- Fewer questions in the enrollment process
- Call licensed insurance agents for advice (free)
State Health Care Exchanges
Persons living in CA, CO, CT, DC, ID, KY, MA, ME, MD, MN, NV, NJ, NY, NM, PA, RI, VT, or WA
Individual State Health Exchanges
These states require individuals to enroll through their state exchange.
You’ll be able to check for subsidies including Medicaid and the Children’s Health Insurance Program (CHIP). Marketplace insurance plans with premium tax credits are sometimes known as subsidized coverage too.
- In states that have expanded Medicaid coverage, your household income must be below 138% of the federal poverty level (FPL) to qualify.
- In all states, your household income must be between 100% and 400% FPL to qualify for a premium tax credit that can lower your insurance costs.
- If your income is above 400% FPL, you may still qualify for savings on a 2025 Marketplace health insurance plan.
Where To Look
California: Covered California
Colorado: Connect for Health Colorado
Connecticut: Access Health CT
District of Columbia: DC Health Link
Idaho: Your Health Idaho
Kentucky: Kynect Website
Maine: CoverME Website
Maryland: Maryland Health Connection
Massachusetts: Massachusetts Health Connector
Minnesota: MNsure Website
Nevada: Nevada Health Link
New Jersey: New Jersey Health Link
New Mexico: BeWellNM Website
New York: New York State of Health
Pennsylvania: Pennie Health Link
Rhode Island: HealthSource RI
Vermont: Vermont Health Connect
Washington: Washington Health Plan Finder
About SASid
SASid insurance development’s mission is to make health insurance simple to understand. Recognized by the Department of Health and Human Services, we’ve helped hundreds of thousands of people understand and access Affordable Care Act compliant insurance.
