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Between February 1 and October 31, individuals with qualifying life events can apply for coverage. Anyone can apply for coverage during the Open Enrollment period, which runs November 1 – January 31. Learn More
If you had a health plan through GetCoveredNJ in 2021, you will get a Form 1095-A in the mail in early 2022 for your taxes.
Changes in income, residence, or household size can affect your eligibility for financial help. Update your information when a change happens. Learn MoreThe yearly period in the fall when people can enroll in a health insurance plan for the next calendar year. Open Enrollment for 2022 is over, but you may still be able to enroll in a Marketplace health insurance plan for 2022 if you qualify for a Special Enrollment Period. You’re eligible if you have certain life events, like getting married, having a baby, or losing other health coverage.
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Depending on your situation, you may be able to enroll in health insurance for the rest of the year. But if you’re not eligible, you can enroll in coverage for 2023 starting November 1. Looking for coverage for the rest of 2022?Outside Open Enrollment, you can get health insurance 2 ways if you qualify for: Check if you qualify Looking for coverage that starts in 2023?Open Enrollment for 2023 Marketplace health insurance starts November 1.
The 2023 Open Enrollment Period (OEP) begins November 1, 2022, and ends January 15, 2023, in most states. The chart below shows the 2023 OEP dates for the states that use the federal ACA exchange. Coverage begins January 1. If you have a Special Enrollment Period, coverage will begin the first day of the month after you sign up. For example, if you sign up on February 15, your coverage will be effective March 1.
Some states with their own ACA exchanges have different date ranges for the 2023 Open Enrollment Period. The chart below shows the SEP and OEP dates for these states.
I Missed My State’s Open Enrollment Deadline. Can I Still Get Healthcare Coverage?If you missed the enrollment deadline in your state, it is still possible that you can qualify for a Special Enrollment Period (SEP) that will allow you to apply for health insurance. You can qualify for an SEP if you have experienced a qualifying life event. Qualifying life events can include:
See a list of qualifying life events. You have 60 days to enroll in a plan, if you qualify for an SEP. But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2023. If you missed the 2022 Open Enrollment Period in your state and you do not qualify for an SEP, you can apply for a short-term health insurance plan. Short-term health insurance coverage can be purchased outside of OEP for up to 364 days, and you can reapply for short-term coverage for up to 36 months in most states. Short-term health insurance plans might be a good, temporary fit for healthy people, as they will not cover pre-existing conditions like Affordable Care Act (ACA) plans. If you do not qualify for an SEP and decide not to apply for a short-term health plan, you will have to wait until Open Enrollment 2023 begins in fall 2022. HealthMarkets can help you determine whether you qualify for an SEP and find an individual health plan that meets your needs. Shop, compare, and enroll in a health plan online or call us at (800) 304-3414.
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