With the turning of the leaves and the competition heating up in football season, you need to prepare to buy health insurance during the next annual Open Enrollment Period! Open Enrollment is the time when you can apply for a new health plan for the first time, keep your current plan or pick a new one different from the plan you have.
To buy health insurance outside of Open Enrollment, you have to qualify for a Special Enrollment Period due to certain life events like marriage, birth or adoption of a child, or loss of other health coverage because you lost your job or COBRA ended.
During Open Enrollment, if you enroll:
If you don’t buy health insurance:
If you don’t have health coverage this year, you may have to pay a fee. But remember -- under the Affordable Care Act, you may be able to get help paying for your health insurance through a premium tax credit or cost sharing assistance.
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