Frequently-asked questions by category
My new job will offer health benefits. Can I drop my ACA coverage when those benefits start?
November 12, 2024 – When you enroll in an individual health insurance policy, you're on a month-to-month contract. So you can cancel anytime, effective at…
What are the deadlines for the ACA’s open enrollment period?
October 25, 2024 – A list of the open enrollment deadlines for enrollment in 2025 ACA-compliant health insurance in every state. Open enrollment runs from…
Can I buy Marketplace health insurance for someone else?
October 21, 2024 – You can generally buy Marketplace health insurance for certain other persons. The details vary, however, depending on whether you’ll also…
If I don’t enroll in a plan by the open enrollment deadline, what are my options?
October 16, 2024 – Your options for coverage are very limited if you don't enroll in a plan by the end of open enrollment in your state. The open enrollment…
What happens if I don’t buy ACA-compliant health insurance?
September 18, 2024 – What happens if I don't buy ACA-compliant health insurance? It depends on where you live and what medical care you end up needing during…
If I enroll in the exchange, will that coverage take effect immediately?
September 9, 2024 – If you enroll through your marketplace your coverage effective date mostly depends on whether you're enrolling during open enrollment or a…
I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage?
August 26, 2024 – If you purchased ACA-compliant health insurance in Texas and you're moving to Colorado, you'll need to select a new Colorado plan rather…
We’re moving 50 miles, but staying in the same state. Is that a qualifying event?
August 26, 2024 – A move that doesn't take you out of state may still be a qualifying event. It depends on whether the health plans available in your new…
If I’ve enrolled in a plan for the new year, can I change my mind and pick a different plan?
August 23, 2024 – You can make multiple plan selections during open enrollment, as long as you complete the final plan change by the end of open enrollment.…
Should I let my individual health insurance plan automatically renew?
July 26, 2024 – If you have a health plan in the individual market, on-exchange or off-exchange, you can probably just let it renew for the coming year…
What happens if I don’t make my premium payment by the end of the grace period?
February 20, 2024 – If you fail to pay your premiums and exhaust the grace period for plans offered in a health insurance marketplace, you will lose your…
Why do I have to provide my Social Security number to enroll in health insurance through the exchange?
February 14, 2024 – Your health insurance marketplace will ask you to provide your Social Security number so it can confirm that you’re lawfully present in…