Healthcare Open Enrollment
Healthcare.gov is now open for people to sign up for health insurance, or switch their health care plan for calendar year 2018. From November 1 to December 15, Arizonans may select a plan for coverage that begins January 1, 2018.
If do not have health insurance, you may use www.HealthCare.gov to apply for health coverage for 2018. Open enrollment is an opportunity to compare the various health plans available to you and find out if you qualify for financial assistance. Every plan available on www.HealthCare.Gov is required to cover certain essential benefits, such as prescription drug coverage, doctors visits, hospital stays, primary care, and more.
For consumers who have health insurance through Healthcare.gov, your coverage will end on December 31, 2017. If you take no action, you will be automatically re-enrolled in your current plan, or - if it is no longer offered - something similar.
There are several important reasons that you should still visit Healthcare.gov during open enrollment:
- Your income and employment information may be out of date. Updating this information will ensure that any financial assistance you receive is calculated accurately - and help keep things simple for you during income tax season.
- Your insurance company may have made changes to your coverage. Insurers sometimes change things like hospital networks and co-payment rates. Log in to make sure your plan still meets your needs and your budget.
- New plans may be available that better suit your needs. Even if you were satisfied with your 2017 plan, it's still a good idea to review any new options for 2018 coverage on the marketplace.
Frequently Asked Questions
If I have trouble with my application, is there anyone to help me?
Live representatives with www.HealthCare.Gov are available at 1-800-318-2596.
What if I have health insurance through my job?
The Marketplace is designed for people whose jobs do not provide health care benefits, or individuals who are self-employed and need to buy their own insurance. If you have job-based health insurance you like, you can keep it. You're considered to have what the Affordable Care Act qualifies as minimum essential coverage. You don't need to change to a Marketplace plan in order to avoid the individual mandate penalty.
Am I required to carry health insurance?
Yes. If you do not, you will have to pay a penalty called the individual shared responsibility payment unless you qualify for an exemption.
How much will it cost?
Depending on various factors, you may qualify for subsidies that allow you to purchase health insurance at a lower rate. To help get a rough idea of the cost of health insurance, visit http://healthcare.gov/lower-costs.
Do I need to sign up if I have VA health care or Medicare?
No. Both of these are considered Qualified Health Plans and you are not required to obtain additional medical coverage.
Can I buy a plan in the Marketplace if I don't have a green card?
If you are not a U.S. citizen, a U.S. national, or otherwise lawfully present in the United States, you are not eligible to buy a plan on the health insurance Marketplace. However, you can shop for health insurance outside of the Marketplace in the non-group market. Insurers outside of the Marketplace are prohibited from turning you down based on your health status or your immigration status and must follow generally the same rules as plans in the Marketplace.