What Happens If I Missed the California Obamacare Enrollment Deadline for 2020?
In most states, open enrollment has closed for 2020 health plans. After open enrollment ends, you won't be able to use Covered California to purchase a health insurance plan unless you qualify for an exception.
If you let the ACA deadline pass you by this year, here are some things to know.
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 enrolllment. The circumstances under which you may qualify for special enrollment include:
- moving to a new state
- having a baby or adopting a child
- getting married or divorced
- leaving a job and losing your insurance
- losing coverage under your parents’ plan
- losing coverage because someone on your plan has died
- losing other types of health insurance
- gaining status as a member of an Indian tribe
- becoming an American citizen, or
- getting out of prison.
If you already have health insurance coverage through the marketplace, you may also qualify for a special enrollment period if you experience a change in income or household status that affects your eligibility for premium tax credits or cost-sharing reductions
To learn more, visit Covered California.
Enrollment Never Closes for Medicaid
Medicaid is administered by states for low-income families and individuals, people with disabilities, and some other adults. You can apply for Medicaid through California's health insurance marketplace or by contacting California’s Medicaid office.
You Can Buy Insurance Directly From an Insurance Company or Agent at Any Time
If you buy coverage outside of the health insurance marketplace, your coverage will take effect soon after you pay your first premium, but you won’t qualify for the premium subsidies available through your state’s health insurance exchange.
Find an agent. To find help in your area, go to Find Local Help at HealthCare.gov. There, you enter your city and state or zip code to get a list of insurance agents and brokers near you.
Talk to a licensed broker. To directly connect with a California insurance broker who can help you evaluate insurance plans and choose a plan that's appropriate for your situation, call. (Please note that we receive advertising income from the licensed brokers who offer their services through this telephone number.)
You Can Buy a Health Plan From Covered California During the Next Open Enrollment Period
California Affordable Care Act (Obamacare) open enrollment for 2021 begins in the fall of 2020.
You may also be interested in:
Essential facts about the Affordable Care Act (ACA or Obamacare) in California, including whether you must get health insurance, how much it will cost, and how you can save money.
Where to go in California to get health plans under the Affordable Care Act (Obamacare) and how to get help with the application process.
Learn the five factors that determine what residents of California will pay for health insurance under the Affordable Care Act