Important Deadlines for Health Insurance, ACA/Obamacare, Medicare

Dates and deadlines for 2023 health coverage

Open Enrollment for 2023 runs November 1, 2022–January 15, 2023. Enroll by December 15, 2022 for coverage that starts January 1, 2023. Plans sold during Open Enrollment begin January 1, 2023, if you paid your first premium. After January 15, 2023 you won’t be able to get 2023 coverage unless you qualify for a Special Enrollment Period.

• November 1, 2022: Open Enrollment begins – first day to enroll, re-enroll, or change a health plan for 2023.
• December 15, 2022: Last day to enroll or change plans for 2023 coverage that starts January 1, 2023.
• January 1, 2023: 2023 coverage begins, if you paid your first premium.
• January 15, 2023: Open enrollment period ends. After this date, you can enroll only if you qualify for a Special Enrollment Period.

 

Insurance Pro: The Experts on Obamacare or Health Reform

 

Still need 2022 coverage?

You can still get 2022 health insurance in 2 ways:

• If you qualify for a Special Enrollment Period due to a life event such as losing other coverage, getting married, or having a baby.
• If you qualify for Medicaid or the Children’s Health Insurance Program (CHIP). You can apply at any time.

Dates and timelines for 2023 Medicare coverage

Medicare’s annual open enrollment period is from October 15 through December 7. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).

What type of 2023 coverage are you looking for?

• Medicare Advantage Plan*
• Medicare Drug Coverage (Part D)
• Medicare Drug Coverage (Part D) + Medigap plan
• Medigap Plan

*Medicare Advantage Open Enrollment Period. From January 1 – March 31 each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time. Note: You can only switch plans once during this period.

It also includes benefits not included in original Medicare such as Dental, Vision, Hearing, transportation to medical appointments, gym, non-prescription drugs among others.