Can I Use a Paper Application to Get Obamacare?
When Obamacare first launched, the federal and state health insurance marketplaces (also called “exchanges”) were plagued by technical troubles. Many people who tried to sign up for new health insurance plans online in the early days were unable to complete their applications.
Because of these difficulties, some individuals and application assistants turned to the old-school way of getting health insurance -- paper applications.
Applying on Paper May Not Be Better or Faster
When facing a slow or broken online health insurance exchange, using a paper application may seem tempting -- at least it would provide the feeling of getting something done. However, paper forms may not speed up the process at all. On the contrary, they could slow down your application even more.
The worker who reviews your paper application must manually enter the information from your forms into the same system you would use online at your state’s exchange. It won’t work any faster for them than it does for you. Plus, using a paper application opens up more opportunity for error by putting more people between you and your goal of getting insurance.
It’s still best to apply online if you can. That said, if you feel that you’re unlikely to come back and apply for health insurance later, you may want to go ahead and complete a paper application now.
To get a paper application, call the
Healthcare.gov customer service center and let them know you want to apply on paper. They'll point you to a downloadable application or send you one in the mail. For detailed Healthcare.gov contact information, see How To Sign Up for Obamacare in Ohio.
How an Insurance Agent or Broker Can Help You Sign Up for Obamacare in Ohio
If you’re confused by your health care choices under the Affordable Care Act (Obamacare) -- or if you’re having a difficult time completing an application -- there are many ways to get help. For example, you can call the
Ohio health insurance exchange for telephone support or obtain free, in-person guidance from trained enrollment counselor. You can also seek help from a licensed insurance agent or broker.
Given the technical flaws in many online health care marketplaces, getting help from an agent or broker has become an attractive option for many people. Agents and brokers, while grappling with most of the same delays and hassles faced by individuals, can make the process easier in several important ways, including:
determining whether you qualify for subsidies
helping you compare plan prices and coverage details, while explaining any complicated features or terms
recommending plans that would be best for you (government enrollment assistants are not permitted to suggest specific plans), and
walking you through the application process.
When Are You Legally Required to Report “Life Changes” to the Ohio Health Insurance Exchange?
Are you planning to get married, change jobs, or move to a new state? If so, you might have to share your big news with
Healthcare.gov. Which Changes Must You Report?
If you buy a health insurance plan through the Ohio marketplace, the Affordable Care Act requires you to report changes that may affect your insurance coverage. These changes include:
moving to a new state or insurance coverage area
significant changes in income
getting new health coverage through a job
signing up for Medicare or Medicaid
getting married or divorced
becoming pregnant, having a child, adopting a child, or placing a child for adoption
losing or gaining a dependent
becoming disabled, and
other changes that affect your income or household size.
What Happens If I Missed the Ohio Obamacare Enrollment Deadline for 2021?
In most states, open enrollment has closed for 2021 health plans. After open enrollment ends, you won't be able to use Healthcare.gov to purchase a health insurance plan unless you qualify for an exception, called a "special enrollment period."
COVID-19 Special Enrollment Periods
This year, a significant exception exists for many people. The Biden administration has announced a
special enrollment period due to the COVID pandemic. It opens a three-month window from February 15 to May 15, 2021, for those using the federal health exchange to get covered. Many state-run exchanges are doing the same. To learn more about COVID special enrollment in your state, see How To Sign Up for Obamacare in Ohio.
You Can Still Enroll If You Qualify for a Special Enrollment Period
Certain life events make you eligible to sign up for health insurance outside of open enrollment. The circumstances under which you may qualify for special enrollment include:
About This Website
We built this website to get people the answers they need about the Affordable Care Act (Obamacare). Our goal is to guide you to reliable, local information about your new health insurance options.
When you choose your state or enter your zip code here, you will quickly learn:
whether or not you're required to get health insurance
what the available plans cover
how much coverage will cost, and
how to sign up in your state.
For those concerned about cost, we show you how to determine whether you qualify for subsidies.
Genoa, OH Ottawa County ZIP: 43430 Genoa, OH: