November 1, 2016 – January 31, 2017.
A person that is new to the Marketplace and enrolls by the 15th of a given month will have their coverage to begin on the first of the following month. People that enroll on or after the 16th will have coverage to begin after the next full month. For instance, if Sue enrolled for coverage on January 20th, her coverage will not begin until March 1st. Note: coverage is contingent upon making the first month’s payment before the expected start date.
In order to enroll in the Health Insurance Marketplace, a person must meet the following requirements:
No, you do not have to be a US citizen, but you do need to have had a legal presence in the US for at least five (5) years with the appropriate documents proving such.
You must have the social security numbers of everyone that needs coverage in order to enroll on the Marketplace. You will also need the amount and source of income for everyone in your household. This includes a paycheck stub, bank statement, cancelled check, letter from employer, Social Security award notice, W-2, and/or tax return, to name a few.
A Social Security Number (or appropriate documents proving legal presence) is required for someone to apply for insurance on the Marketplace. A person needs to have had a lawful presence in the USA for at least five (5) years.
An email address is required if you are applying online through healthcare.gov. If you do not have one, we can help you establish an email address. Otherwise, you can apply through the Call Center by calling (800) 318-2596 and you will not need an email address.
Remember, healthcare.gov qualifies a household based on the number of people included on your federal tax return. Financial assistance is offered on a sliding scale, based on income, so households with a lower annual income will receive more than those with a higher annual income.
The Marketplace defines a household according to how you file your taxes. For instance, if you are a household of four (4) people and everyone is on the same tax return, you are a household of four (4) and that head of household is responsible for insuring that everyone is covered. If you are a household of four (4) people with three (3) people on the same return and the fourth person filing independently, you are a household of three (3).
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If you do not have insurance by January 31, 2017, you may have to wait until the next Open Enrollment to get covered. The exception would be if you qualify for a Special Enrollment Period throughout the year. Additionally, you may incur a fine for not having insurance.
The fee is calculated one of two ways - either as a percentage of your household income or per person*. You have to pay the one that is the highest. Each year, the fee is adjusted for inflation. 2017 fees have not been released, yet, but 2016 is as follows:
2.5% household income OR
$695 per adult; $347.50 per child under 18
*if paying per person, the maximum amount for $2,085
You may only get coverage at this point if you qualify for a Special Enrollment Period. This is based on you having a change in household size (birth, death, marriage, divorce, adoption, foster care), change in income, release from incarceration, change of address and/or change in immigration status. You have 60 days before and after your life-changing event to get covered by healthcare.gov.
Coverage will not be effective until the first month’s payment has been made. After that, if you miss a payment, you have a three month grace period to get back on track. Before the end of those three months you must pay your outstanding balance to avoid cancellation. If payment is made for only two months, missing another payment could result in cancellation of coverage. The balance in full should be paid to avoid cancellation.
Yes. Enroll Alabama Navigators will gladly meet you where you feel comfortable.
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