FAQ: General Marketplace & After Enrollment
Another perk of working with a broker is that they'll let you know well ahead of any deadlines that put you at risk of losing your coverage! Also, you always know who to call for a quick answer when things like this come up.
The open enrollment period at HealthCare.gov runs from Nov. 1 - Jan. 15. If you need coverage starting Jan. 1, you must enroll by Dec. 15.
People can go to HealthCare.gov to submit an application and, if eligible, select a plan that meets their needs. Consumers may even qualify for financial help paying their health insurance premiums.
Every year, health insurance plan options change in cost, coverage, and participating providers, so it's important to come back to HealthCare.gov to compare plans as there might be something that better meets their needs.
Also, people should update their information (income, address, etc.) in their application. As their situation changes, the financial assistance they receive may change, too.
Customers can get help with their application by calling the HealthCare.gov call center at 1-800-318-2596 for assistance in 200 languages, 24 hours a day, 7 days a week.
Customers can also find a local assister or agent/broker (such as Jensurance!) in their area via the "Find Local Help" option at HealthCare.gov or use the "Help On Demand" feature.
People should go to HealthCare.gov for more information on Open Enrollment, to shop for plans, to complete their enrollment, and address issues after enrollment is complete. They can also call the HealthCare.gov Call Center at 1-800-318-2596 and it is open 24 hrs/7 days per week.
An agent/broker can also offer help and more information and will never charge a fee for their services.
If you miss Open Enrollment, you should check if you qualify for a "Special Enrollment Period" (SEP). SEPs allow you to enroll in a plan outside of the regular Open Enrollment window if you've experienced a qualifying life event like getting married, having a baby, losing a job, or moving to a new area.
You can verify your eligibility on HealthCare.gov or contact the Marketplace Call Center at 1-800-318-2596.
If you enrolled and don't remember your premium due date, the best course of action is to contact your insurance company directly to get the exact payment due date and details on how to make your payment. If you used an agent/broker to assist you, they can provide this information as well.
You can also access your account information on HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596.
If you're late paying your premium, your insurance company may terminate your coverage after a grace period. The grace period is usually three months if you have a Marketplace plan, use the premium tax credit, and have paid at least one full month's premium during the benefit year.
If you don't receive the premium tax credit, the grace period is determined by state rules.
Notifying the Marketplace about changes in circumstances as soon as they occur will allow the Marketplace to update the information used to determine your expected amount of the premium tax credit and adjust your advance payment amount. This adjustment will decrease the likelihood of a significant difference between your advance credit payments and your actual premium tax credit.
You can report changes at HealthCare.gov, by contacting your agent/broker, or calling the Marketplace call center at 1-800-318-2596.