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Health Insurance and the Affordable Care Act
Sign up for health insurance, change your current coverage, see deadlines, and more.
Open Enrollment for 2021 Health Care Coverage – Affordable Care Act
What Is Open Enrollment?
Open Enrollment is the period when you can shop for health insurance through the Affordable Care Act (ACA) marketplaces, and either renew your old plan or sign up for a new one.
What Is the Deadline For Open Enrollment?
This year, Open Enrollment begins on November 1, 2020 and ends December 15, 2020.
Why Is Open Enrollment Important?
Open Enrollment is generally the time of the year when you can sign up for health insurance if you don’t get coverage through your employer or a government plan, like Medicaid or Medicare. Insurance companies insisted on having an open enrollment period in the ACA to discourage you from waiting until you get sick to get covered. For most people, if you miss this period, you will be without health insurance in 2021.
Coverage Start Date
Coverage for plans sold during this year’s Open Enrollment period will begin January 1, 2021.
What Is Covered?
A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. These include doctors’ services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services.
Plans must offer dental coverage for children. Dental benefits for adults are optional.
Specific services may vary based on your state’s requirements. You’ll see exactly what each plan offers when you compare plans.