Open Enrollment | ObamacareUSA.org

When is The Open Enrollment Period?

The Open Enrollment period starts on November 1, 2022 and ends on January 15, 2023. If you enroll by December 15, 2022 your coverage will begin on January 1, 2023.

Unless Congress acts to extend the January 15, 2023 deadline, you will be unable to purchase an Obamacare Plan until the next Open Enrollment period begins in the fall of 2023. Between this Open Enrollment Period and the next period, you can only enroll in an Obamacare Plan if you have a Qualifying Life Event.

If you previously purchased an Obamacare Plan in 2021/2022, that coverage will expire on December 31, 2022. You can choose to either renew your current plan or purchase a new plan, but you have to act before January 15, 2023.

When Does Coverage Begin

If you enroll during the Open Enrollment period, your coverage begins as follows:

Enrollment during the first 15 days of the month -- your coverage will begin on the first day of the following month. For example, if you enroll by December 15, 2022, your coverage will begin on January 1, 2023.

Enrollment between the 16th and last day of the month -- your coverage will begin on the first day of the second month following your enrollment. For example, if you enroll on December 16, 2022, your coverage will begin on February 1, 2023.

So don’t waste another minute of Open Enrollment! ObamacareUSA.org connects you to virtually every health plan available during Open Enrollment. Compare plans and find the best coverage for the lowest rate now!

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Disclaimer:

ObamacareUSA.org is operated by Quotelab, LLC, which 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, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

We do not offer every plan available in your area. Currently we represent zero organizations which offer zero products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We connect you with licensed agents that do have Medicare Advantage Plans and they will tell you how many plans and products they offer in your service area.

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 ObamacareUSA.org 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.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

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.