You can only sign up for an ACA or Obamacare plan during the Open Enrollment and Special Enrollment periods. You may enroll in an alternative plan, like a short-term, limited indemnity, or critical illness plan, at any time. Keep in mind that since these alternative plans do not meet minimum ACA requirements, you will still have to pay the tax penalty. To avoid the tax penalty, you must enroll in an ACA/Obamacare plan.
The Open Enrollment Period in 2017 begins on November 1, 2017 and ends on December 15, 2017. If you previously signed up for coverage, you must re-enroll during Open Enrollment, even if you want to keep the same plan. If you need to make changes to your plan, like adding or removing dependents, Open Enrollment is the time to do it.
You can learn more about Open Enrollment here.
If you have experienced a life event, you may qualify to enroll in an Obamacare/ACA plan during the Special Enrollment period. The Special Enrollment period lasts for 60 days after you have experienced a life event, which can include moving to a new state, having a baby, losing your job, getting married or divorced, and more.
Learn more about qualifying for Special Enrollment here.
If you are not sure about your enrollment eligibility, please submit your zip code to begin checking your options. You can also call (877) 935-9291 to speak with an agent.