The Latest News on the ACA & Marketplaces

Need health insurance, but the Marketplace open enrollment is closed?

On COBRA, but wondering if you can switch to a Marketplace plan?

Keep reading . . .July 1

The Affordable Care Act (ACA or Obamacare) created State Health Insurance Marketplaces, where people can access private health insurance plans with certain consumer protections.  These Marketplaces are available in every state.  For more information about your state Marketplace, visit and click on your state.

People can only buy plans in the Marketplaces during an annual “Open Enrollment Period” or during a “Special Enrollment Period.”  The open enrollment period for 2014, was from October 1, 2013, to March 31, 2014.  The open enrollment period for 2015, will be November 15, 2014, to February 15, 2015.

Although open enrollment for 2014 is now closed, you may still be able to buy a Marketplace plan if you qualify for a special enrollment period.  There are certain “qualifying events” that make you eligible for special enrollment, such as losing your health insurance through your job or exhausting your COBRA coverage.  More information on qualifying events can be found here.  To find out if you qualify for a special enrollment period, visit, select your state, and then click the button for special enrollment.

If you are currently on COBRA and are wondering if you can move to a Marketplace plan even though open enrollment is over, there is a one-time option to voluntarily drop your COBRA and move to a Marketplace plan, but it ends July 1, 2014.  Otherwise, you have to wait until open enrollment to move off your COBRA plan.

If you become eligible for COBRA at some point during 2014, you can choose to accept your COBRA, or you can go straight to a marketplace plan.  Click here for more information.

Are you a recent college graduate and wondering about your health insurance options.  Click here for more information.

We will continue to keep you up to date on the latest ACA news . . .

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