Published December 14, 2017|2 min read
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Updated on Dec. 15: Healthcare.gov said via Twitter on Friday callers asked to leave a name and phone number on Dec. 15 would be contacted by its representatives after Dec. 15 to enroll them in a 2018 marketplace plan. In other words, if you couldn't get through and left your information, you can enroll after the deadline. The announcement came after the federal marketplace experienced high call volume on the last day of open enrollment.
Healthcare.gov closes Dec. 15, but you might have more time to sign up for a 2018 "Obamacare" plan. Some state-run exchanges extended their open enrollment deadlines. Plus, some Americans are eligible for extensions. Here's a quick guide to who can still shop for health insurance on the exchanges.
The following state exchanges have extended deadlines:
Covered California: Open through Jan. 31, 2018
Health Colorado: Open through Jan. 12, 2018
DC Health Link (District of Columbia): Open through Jan. 31, 2018
Massachusetts Health Connector: Open through Jan. 23, 2018
MNsure (Minnesota): Open through Jan. 14, 2018
New York State of Health: Open through Jan. 31, 2018
Health Source RI (Rhode Island): Open through Dec. 31, 2018
Washington Healthplanfinder: Open through Jan. 15, 2018
Plus, Nevada sells health insurance plans all year round, with a 90-day window for coverage to go into effect.
Medicare enrollees living in areas hardest hit by Hurricanes Harvey, Irma, and Maria have until Dec. 31 to sign up for coverage. So do federal exchange shoppers who qualified for a special enrollment period (more on this in a minute) between 60 days prior to the state of emergency and Dec. 31, 2017.
The full list of hurricane emergency or disaster areas are available on the Federal Emergency Management Area (FEMA) website, but affected states include:
U.S. Virgin Islands
Medicaid and the Children's Health Insurance Program (CHIP) take applications all year round. You can see if you're eligible on Healthcare.gov.
Note: Congress let CHIP expire earlier this year, so the program's future is currently in question.
Special enrollment periods are available for people who experience a qualifying event. These events include:
Loss of health insurance
Loss of eligibility for Medicare, Medicaid or CHIP
Change in residence
Birth, adoption or fostering of a child
Becoming a U.S. citizen
Loss of health insurance due to the death of a person on your marketplace plan
Special enrollment periods generally last 60 days from the qualifying event. You can learn more about them here.
And, if you don't fall into any of these buckets, you can find more on temporary health insurance alternatives here.
Image: Sam Edwards
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