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What You Need to Know About Open Enrollment

The Open Enrollment Period for 2021 begins on November 1, 2020 and ends on December 15, 2020. All Americans must have health insurance or face a fine.

Important: In order for your coverage to begin on January 1, 2021, you must enroll by December 15, 2020.

Important: If you currently have a 2020 Government Plan, for 2021 you have to renew your existing plan or enroll in a new one. You will not be automatically re-enrolled.

You will not be able to sign up for a Government Health Plan until the next Open Enrollment Period. The only exception is that if you experience certain life changes after Open Enrollment -- known as “Qualifying Life Events” -- you could be re-eligible to enroll.

To minimize your chances of not having health insurance, it is highly recommended that you do not miss the Open Enrollment Period and enroll immediately during this time.

What If I Don’t Sign Up for a Health Plan?

The Affordable Care Act was designed to ensure that all Americans have health insurance. To make sure no one is uninsured, health care has to be truly attainable and affordable. That is why you cannot be denied coverage for preexisting conditions, and your costs could also be greatly lowered by subsidies -- or “discounts” -- if you meet certain income guidelines.

Universal and affordable health care can only work if everyone is covered. Remember that uninsured patients can become very costly for everyone. If you miss the Open Enrollment Period and have a Qualifying Life Event, you can still get a government health insurance plan during the Special Enrollment Period.

When Does My Coverage Begin?

If you enroll during the first 15 days of the month, your coverage begins on the first day of the following month. For example, if you enroll by December 15, 2020 your coverage will begin on January 1, 2021.

Enrolling during the last half of the month means your coverage begins on the first day of the second month. For example, if you enroll on December 16, 2020, you will have to wait until February 1, 2021 for your coverage to begin.

What If I Missed Open Enrollment or I am Not Sure About My Eligibility?

If you missed Open Enrollment, you may be eligible for the Special Enrollment Period. Learn more about getting health coverage outside of Open Enrollment here.

To compare Non-Government Plans, please enter your zip code and fill out the 1-page application. You can also call (844) 992-2717 to speak to an agent.

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GovernmentHealthInsurance.com
700 S. Flower St., Suite 640,
Los Angeles, CA 90017

GovernmentHealthInsurance.com is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at governmenthealthinsurance.com/licenses.html.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on GovernmentHealthInsurance.com are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.