State by State 2023 prolonged open enrollment information

For many locations throughout the nation, December 15^th is the final day to join well being protection for a January 1^st begin date. Like something, this deadline comes with just a few exceptions. Certain states have prolonged open enrollment durations, giving their residents a little bit additional time to make choices for 2023 protection.

We’ve put collectively this useful information simply so that you can decide the final attainable date you possibly can join a medical insurance plan primarily based on whenever you need your protection to begin. Most of you might be in search of January 1st protection. In some circumstances, whereas there may be an prolonged enrollment interval that reaches into January, which means your well being plan will not begin till February 1st.

Important: If you might be receiving reimbursements for medical insurance via your employer with both an ICHRA or QSEHRA (two forms of HRAs), a February begin date in your well being plan will imply your reimbursements will start in February as effectively. 

With just a few exceptions, December fifteenth is the cutoff for Jan. 1 protection until there is a state particular extension.

States with prolonged open enrollment durations

Each state market can set their very own dates, which means they do not must comply by the December fifteenth cutoff if they do not wish to. The states which have prolonged their open enrollment durations for his or her residents embrace: California, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Washington, and Washington D.C. That means in case you dwell in a kind of states, you could have extra time to think about your medical insurance choices for 2022 than the remainder of the nation. 

Here’s a chart summarizing key deadlines from open enrollment for these states. 

Extended open enrollment interval deadlines for 2023

If you do not see your state listed within the chart above, then assume the default open enrollment deadline for Jan. 1st protection is December fifteenth, however you too can join till Jan. fifteenth for Feb. 1st protection.

What occurs if I miss the deadline for open enrollment? 

Don’t panic. You might need choices, relying on what kind of HRA you might be being provided via your organization!

If your employer affords you a QSEHRA, our crew can assist you look into various plans (like sharing ministries, for instance) to couple with a person / preventative MEC plan. These prices will likely be reimbursable via your QSEHRA.

Here’s an vital observe in regards to the timing. For a February 1 begin date, assume that you will have to enroll earlier than the thirtieth of January. There’s vital exceptions right here, like Blue Cross Blue Shield, for instance, which requires enrollment on the fifteenth of the earlier month. Take into consideration these dates as you are seeking to enroll in another plan or in case you’ve certified for a particular enrollment interval. 

If you might be being provided an ICHRA, examine to see in case you qualify for a particular enrollment interval. Here’s a full checklist.

Changes in family

You might qualify for a Special Enrollment Period in case you or anybody in your family previously 60 days:

• Got married.
• Had a child, adopted a toddler, or positioned a toddler for foster care. Your protection can begin the day of the occasion — even in case you enroll within the plan as much as 60 days afterward.
• Got divorced or legally separated and misplaced medical insurance. Note: Divorce or authorized separation with out shedding protection doesn’t qualify you for a Special Enrollment Period.
• Death. You’ll be eligible for a Special Enrollment Period if somebody in your Marketplace plan dies and also you’re not eligible in your present well being plan on account of their demise.

Changes in residence

• Household strikes that qualify you for a Special Enrollment Period:
• Moving to a brand new house in a brand new ZIP code or county
• Moving to the U.S. from a overseas nation or United States territory
• A pupil shifting to or from the place they attend college
• A seasonal employee shifting to or from the place they each dwell and work
• Moving to or from a shelter or different transitional housing. You should show you had well being protection for a number of days throughout the 60 days earlier than your transfer. You don’t want to offer proof in case you’re shifting from a overseas nation or United States territory.

Loss of medical insurance

• If you or anybody in your family misplaced qualifying well being protection previously 60 days OR expects to lose protection within the subsequent 60 days.
• Losing job-based protection
• Losing particular person well being protection for a plan or coverage to procure your self. There are a number of carriers leaving sure states or all the particular person market altogether.
• Losing eligibility for Medicaid or CHIP
• Losing eligibility for Medicare
• Losing protection via a member of the family

Additional qualifying modifications

• Changes that make you not eligible for Medicaid or the Children’s Health Insurance Program (CHIP)
• Gaining membership in a federally acknowledged tribe or standing as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
• Becoming newly eligible for Marketplace protection since you turned a U.S. citizen
• Leaving incarceration
• AmeriCorps VISTA members beginning or ending their service

If you do not qualify for a particular enrollment interval resulting from one of many above circumstances, your greatest guess is to simply select another plan of insurance coverage (sharing ministry, short-term plans). Unfortunately, these alternate options will not be reimbursable underneath your organization’s ICHRA. You’ll want to attend till subsequent 12 months’s open enrollment to decide on a compliant well being plan to obtain reimbursements. 

We are right here to assist!

Get in contact with our crew to join a plan to make use of together with your employer’s HRA. We will stroll you thru your choices. Just chat with us on the backside proper of your display screen. You may e-mail us at support@takecommandhealth.com. We’d be completely satisfied that will help you.

Happy open enrollment!