Applying for health insurance open enrollment Vancouver WA:
The health insurance open enrollment period is the period of time every year when people are able to enroll in a health insurance plan. During this time you can enroll in or change plans for the following year through the Health Insurance Marketplace. If you don’t have health insurance through a job, Medicare or Medicaid, the Marketplace is where you can get coverage. If you do have job-based insurance coverage, you can still choose to buy a plan through the Marketplace, but you’ll pay full price. You won’t be eligible for any discounts based on income.
What you will pay for insurance depends on your income, based on your estimated income for the following year. Most people who are eligible for the Marketplace do qualify for a discount to help lower the cost of their premiums.
There are different ways to apply for health insurance open enrollment Vancouver WA. You may apply online, by phone, with in-person help, or on paper. We recommend getting free help to apply. We can answer any questions you may have, and help you find the insurance that fits you the best.
You are required to have qualifying health coverage or pay a fee for every month you are not covered. The fee will be paid with your federal taxes. Some people will qualify for an exemption from the requirement to have health insurance. Call or email Your Insurance Gal and we can answer any questions you may have.
Open Enrollment for guaranteed-issue individual health insurance has ended for 2016 coverage. The next Open Enrollment period starts on October 15, 2016 and ends on December 7, 2016 for a January 1, 2017 effective date. It’s important to be aware that previously the enrollment period was longer but starting this year it will be much shorter.
Qualifying Events for Enrollment Outside The Open Enrollment Window
People often have questions about qualifying events that allow for enrollment outside the open enrollment window. Here is a brief summary:
- A qualified individual or dependent loses minimum essential coverage
- A qualified individual gains a dependent or becomes a dependent through marriage, birth, adoption, or placement for adoption
- An individual, who was not previously a citizen, national, or law fully present individual gains such status
- A qualified individual’s enrollment or non-enrollment in a QHP is unintentional, inadvertent, or erroneous and is the result of the error, misrepresentation, or inaction of the Exchange or HHS
- An enrollee adequately demonstrates to the Exchange that the QHP in which he or she is enrolled substantially violated a material provision of its contract in relation to the enrollee
- An individual is determined newly eligible or newly ineligible for advance payments of the premium tax credit or has a change in eligibility for cost-sharing reductions, regardless of whether such individual is already enrolled in a QHP. (The Exchange must permit individuals whose existing coverage through an eligible employer-sponsored plan will no longer be affordable or provide minimum value for his or her employer’s upcoming plan year to access this special enrollment period prior to the end of his or her coverage through such eligible employer-sponsored plan)
- A qualified individual or enrollee gains access to new QHPs as a result of a permanent move
- A Native American Indian may enroll in a QHP or change from one to another one time per month
- A qualified individual or enrollee demonstrates to the Exchange that the individual meets other exceptional circumstances (as defined by the Exchange) Unless specifically stated otherwise, an individual or enrollee has 60 days from the date of a triggering event to select a plan (source: exchange regulations<http://www.gpo.gov/fdsys/pkg/FR-2012-03-27/pdf/2012-6125.pdf>).
If any of this seems confusing, we can help answer your questions. Contact Us