Health Insurance Marketplace

• November 1: Open Enrollment starts for health coverage for the next plan year — first day you can enroll in, re-enroll in, or change health plans through the Health Insurance Marketplace®. Coverage can start as soon as January 1st.
• December 15: Last day to enroll in or change plans for coverage to start January 1.
• January 1: Coverage starts for those who enroll in or change plans by December 15 and pay their first premium.
• January 15: Open Enrollment ends — last day to enroll in or change health plans for the year. After this date, you can enroll in or change plans only if you qualify for a Special Enrollment Period.
• February 1: Coverage starts for those who enroll in or change plans December 16 through January 15 and pay their first premium. 

If you miss the ACA Open Enrollment period, you may still qualify for coverage mid-year.  Ask our licensed professionals if you may qualify for a plan mid-year.

Note:  A Publisher from Massachusetts asked:  "Does this offer of health insurance as made available on the Publisher Benefits Portal count as "job-based coverage" when applying for a subsidy on the federal Marketplace?"  And the answer is "No".  

This offering is not traditional job-based coverage; rather, it is a unique portfolio of best-in-class insurance plans designed for self-employed workers and the plans are not designed for W-2 employees.  And that's good news because it means you may still qualify for a federal premium subsidy depending on factors including your personal income and number of dependents. If you accidentally answer "Yes" then you may lose any possible subsidy you may be entitled to on a Marketplace plan.