The Biden Administration proposed new rules in 2023 that would require state exchanges to adhere to the federal open enrollment period3. If the rules proceed, they will take effect in 2025.
Special enrollment periods are triggered by a variety of qualifying life events, and will give you at least 60 days to select a new medical plan.
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CMS’s extensive outreach effort includes a broad-reaching national campaign with traditional broadcast advertising and targeted digital efforts. Open Enrollment outreach will include historic investments to reach multiple audiences that experience lower access to health care.
Marketplace plans are used by people who need to buy their own insurance, including those who are self-employed, workers at small businesses without health benefits, and early retirees under 65 who need coverage until Medicare.
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All of the available plans will cover the ACA’s essential health benefits without annual or lifetime marketplace apartments benefit caps.
To meet these goals, the ACA mandated that all states set up a health insurance exchange or allow residents to purchase a plan on the federal Health Insurance Marketplace. The Marketplace lets individuals and families choose ACA-compliant coverage from various insurers.
Do I have to buy my health insurance through a Marketplace? You are not required to buy coverage through the Marketplace. There is no longer a federal penalty for not having health coverage (although DC and four states have state-based penalties for people who choose to remain uninsured).
In some states, the Medicaid enrollment process is completed via the Marketplace, while in other states, the Marketplace sends the consumer’s information to the state Medicaid agency to finalize the eligibility and/or enrollment process.