Final Day to Enroll in Affordable Care Act: Key Facts

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TL/DR –

The deadline to sign up for health insurance through the Affordable Care Act (ACA), for coverage starting on January 1, 2024, is December 15. More than 40 million Americans are enrolled in the ACA health insurance marketplace, which was designed to give more Americans access to lower-cost health insurance, expand Medicaid, and support new medical delivery methods. Depending on individual circumstances, some people may be eligible for special enrollment outside of these dates, such as those who have experienced life-changing events like marriage, divorce, moving to a new ZIP code, or changes in household income.


Deadline for ACA Health Insurance Sign-Up Approaching

Today is your last chance to secure health insurance via the Affordable Care Act (ACA) if you need coverage by Jan. 1, 2024. The ACA aims at providing affordable health insurance to more Americans, expanding Medicaid, and introducing new medical delivery methods like ACA Health Homes.

Over 40 million Americans had enrolled in ACA health insurance by March. The ACA, also known as Obamacare, was enacted by President Obama in 2010. Continue reading to learn about ACA qualifications, enrollment procedures, and deadlines. Discover top telehealth services and tips to save on medical bills without insurance.

ACA Open Enrollment Deadlines

Though open enrollment lasts till Jan. 15, 2024, you must sign up by Dec. 15 to ensure coverage by Jan 1. If you sign up between Dec. 16 and Jan. 15 and pay your premium, you’ll be covered from Feb. 1. Certain circumstances may qualify you for special enrollment outside these dates.

Special Enrollment Eligibility

You may be eligible for special enrollment if you’ve undergone a life-changing event in the past 60 days, such as losing health insurance coverage, childbirth, marriage, divorce, or moving to a new ZIP code. Additionally, changes in household income or the death of someone on your plan might qualify you. If you moved to a new ZIP code, you must provide proof of insurance covering at least one day in the past 60 days or an impending loss of coverage in the next 60 days. If you’ve lost your job and refuse COBRA coverage, you can still enroll in an ACA plan.

ACA Health Insurance Plans

Your eligibility for ACA (check below) and your state of residence determine your health care provider options. All plans offer bronze, silver, gold, and platinum coverage tiers. Here is a breakdown of how each plan works.

Qualifying for ACA Plans

Before choosing a plan, confirm you qualify for an ACA plan using healthcare.gov’s screener. After answering a few questions, you’ll complete an application with either the health insurance marketplace or your state’s marketplace to view plans and prices.

How to Enroll in Obamacare

To sign up, create an account on HealthCare.gov or your state’s provider. Complete the application to see plans and pricing and select the most suitable option for you. You will need your Social Security number, employer and income details, current health insurance policy numbers, information about available employer health insurance, and immigration documents. Once enrolled and after paying the first month’s premium, your plan should begin from the first day of the next month.

Additional Health Care Resources

For more health care resources, discover if your insurance covers online therapy and how to monitor your heart health with no equipment.


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