For a lot of locations throughout the nation, December 15^th is the final day to join well being protection for a January 1^st begin date. Like something, this deadline comes with just a few exceptions. Sure states have prolonged open enrollment durations, giving their residents a bit of further time to make choices for 2024 protection.

We have put collectively this helpful information simply so that you can decide the final potential date you may join a medical insurance plan primarily based on if you need your protection to begin. Most of you might be in search of January 1st protection. In some circumstances, whereas there may be an prolonged enrollment interval that reaches into January, which means your well being plan will not begin till February 1st.

Vital: In case you are receiving reimbursements for medical insurance by your employer with both an ICHRA or QSEHRA (two varieties of HRAs), a February begin date in your well being plan will imply your reimbursements will start in February as nicely. 

With just a few exceptions, December fifteenth is the cutoff for Jan. 1 protection except there is a state particular extension.

States with prolonged open enrollment durations

Every state market can set their very own dates, that means they do not must comply by the December fifteenth cutoff if they do not need to. The states which have prolonged their open enrollment durations for his or her residents embody: California, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Washington, and Washington D.C. Which means should you dwell in a kind of states, you’ve gotten extra time to contemplate your medical insurance choices for 2024 than the remainder of the nation. 

This is a chart summarizing key deadlines from open enrollment for these states. 

Prolonged open enrollment interval deadlines for 2024

Should you do not see your state listed within the chart above, then assume the default open enrollment deadline for Jan. 1st protection is December fifteenth, however you may as well enroll till Jan. fifteenth for Feb. 1st protection.

What occurs if I miss the deadline for open enrollment? 

Do not panic. You may need choices, relying on what kind of HRA you might be being provided by your organization!

In case your employer affords you a QSEHRA, our crew may also help you look into various plans (like sharing ministries, for instance) to couple with a person / preventative MEC plan. These prices can be reimbursable by your QSEHRA.

This is an essential observe in regards to the timing. For a February 1 begin date, assume that you will must enroll earlier than the thirtieth of January. There’s essential exceptions right here, like Blue Cross Blue Protect, for instance, which requires enrollment on the fifteenth of the earlier month. Take into accounts these dates as you are seeking to enroll in another plan or should you’ve certified for a particular enrollment interval. 

In case you are being provided an ICHRA, verify to see should you qualify for a particular enrollment interval. This is a full listing.

Adjustments in family

Chances are you’ll qualify for a Particular Enrollment Interval should you or anybody in your family up to now 60 days:

• Received married.
• Had a child, adopted a toddler, or positioned a toddler for foster care. Your protection can begin the day of the occasion — even should you enroll within the plan as much as 60 days afterward.
• Received divorced or legally separated and misplaced medical insurance. Word: Divorce or authorized separation with out shedding protection doesn’t qualify you for a Particular Enrollment Interval.
• Dying. You’ll be eligible for a Particular Enrollment Interval if somebody in your Market plan dies and also you’re now not eligible in your present well being plan on account of their dying.

Adjustments in residence

• Family strikes that qualify you for a Particular Enrollment Interval:
• Transferring to a brand new dwelling in a brand new ZIP code or county
• Transferring to the U.S. from a international nation or United States territory
• A pupil shifting to or from the place they attend faculty
• A seasonal employee shifting to or from the place they each dwell and work
• Transferring to or from a shelter or different transitional housing. You have to show you had well being protection for a number of days throughout the 60 days earlier than your transfer. You don’t want to offer proof should you’re shifting from a international nation or United States territory.

Lack of medical insurance

• Should you or anybody in your family misplaced qualifying well being protection up to now 60 days OR expects to lose protection within the subsequent 60 days.
• Dropping job-based protection
• Dropping particular person well being protection for a plan or coverage you got your self. There are a number of carriers leaving sure states or the whole particular person market altogether.
• Dropping eligibility for Medicaid or CHIP
• Dropping eligibility for Medicare
• Dropping protection by a member of the family

Further qualifying adjustments

• Adjustments that make you now not eligible for Medicaid or the Kids’s Well being Insurance coverage Program (CHIP)
• Gaining membership in a federally acknowledged tribe or standing as an Alaska Native Claims Settlement Act (ANCSA) Company shareholder
• Turning into newly eligible for Market protection since you turned a U.S. citizen
• Leaving incarceration
• AmeriCorps VISTA members beginning or ending their service

Should you do not qualify for a particular enrollment interval as a consequence of one of many above circumstances, your greatest wager is to only select another plan of insurance coverage (sharing ministry, short-term plans). Sadly, these options will not be reimbursable underneath your organization’s ICHRA. You will want to attend till subsequent 12 months’s open enrollment to decide on a compliant well being plan to obtain reimbursements. 

We’re right here to assist!

Get in contact with our crew to join a plan to make use of along with your employer’s HRA. We are going to stroll you thru your choices. Simply chat with us on the backside proper of your display screen. It’s also possible to e mail us at assist@takecommandhealth.com. We might be completely happy that will help you.

Joyful open enrollment!