State by State 2024 prolonged open enrollment information

For a lot of locations throughout the nation, December 15^th is the final day to enroll in well being protection for a January 1^st begin date. Like something, this deadline comes with a couple of exceptions. Sure states have prolonged open enrollment intervals, giving their residents slightly additional time to make choices for 2024 protection.

We have put collectively this useful information simply so that you can decide the final doable date you’ll be able to join a medical insurance plan based mostly on whenever you need your protection to begin. Most of you’re searching for January 1st protection. In some instances, whereas there’s an prolonged enrollment interval that reaches into January, which means your well being plan will not begin till February 1st.

Necessary: If you’re receiving reimbursements for medical insurance by means of your employer with both an ICHRA or QSEHRA (two varieties of HRAs), a February begin date to your well being plan will imply your reimbursements will start in February as effectively. 

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

States with prolonged open enrollment intervals

Every state market can set their very own dates, that means they do not must comply by the December fifteenth cutoff if they do not need to. The states which have prolonged their open enrollment intervals for his or her residents embrace: California, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Washington, and Washington D.C. Which means in the event you reside in a kind of states, you’ve gotten extra time to think about your medical insurance choices for 2024 than the remainder of the nation. 

This is a chart summarizing key deadlines from open enrollment for these states. 

Prolonged open enrollment interval deadlines for 2024

If you happen to 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 enroll till Jan. fifteenth for Feb. 1st protection.

What occurs if I miss the deadline for open enrollment? 

Do not panic. You may need choices, relying on what kind of HRA you’re being supplied by means of your organization!

In case your employer gives you a QSEHRA, our crew may help you look into various plans (like sharing ministries, for instance) to couple with a person / preventative MEC plan. These prices will probably be reimbursable by means of your QSEHRA.

This is an necessary 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 necessary exceptions right here, like Blue Cross Blue Protect, for instance, which requires enrollment on the fifteenth of the earlier month. Take into accounts these dates as you are trying to enroll in an alternate plan or in the event you’ve certified for a particular enrollment interval. 

If you’re being supplied an ICHRA, verify to see in the event you qualify for a particular enrollment interval. This is a full record.

Adjustments in family

Chances are you’ll qualify for a Particular Enrollment Interval in the event you or anybody in your family prior to now 60 days:

• Obtained married.
• Had a child, adopted a baby, or positioned a baby for foster care. Your protection can begin the day of the occasion — even in the event you enroll within the plan as much as 60 days afterward.
• Obtained divorced or legally separated and misplaced medical insurance. Word: Divorce or authorized separation with out shedding protection doesn’t qualify you for a Particular Enrollment Interval.
• Demise. You’ll be eligible for a Particular Enrollment Interval if somebody in your Market plan dies and also you’re now not eligible to your present well being plan on account of their demise.

Adjustments in residence

• Family strikes that qualify you for a Particular Enrollment Interval:
• Shifting to a brand new residence in a brand new ZIP code or county
• Shifting to the U.S. from a overseas nation or United States territory
• A pupil shifting to or from the place they attend faculty
• A seasonal employee shifting to or from the place they each reside and work
• Shifting to or from a shelter or different transitional housing. You could 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 the event you’re shifting from a overseas nation or United States territory.

Lack of medical insurance

• If you happen to or anybody in your family misplaced qualifying well being protection prior to now 60 days OR expects to lose protection within the subsequent 60 days.
• Shedding job-based protection
• Shedding particular person well being protection for a plan or coverage you purchased your self. There are a number of carriers leaving sure states or your entire particular person market altogether.
• Shedding eligibility for Medicaid or CHIP
• Shedding eligibility for Medicare
• Shedding protection by means of a member of the family

Further qualifying modifications

• Adjustments that make you now not eligible for Medicaid or the Youngsters’s Well being Insurance coverage Program (CHIP)
• Gaining membership in a federally acknowledged tribe or standing as an Alaska Native Claims Settlement Act (ANCSA) Company shareholder
• Changing into newly eligible for Market protection since you grew to become a U.S. citizen
• Leaving incarceration
• AmeriCorps VISTA members beginning or ending their service

If you happen to do not qualify for a particular enrollment interval on account of one of many above circumstances, your finest wager is to only select an alternate plan of insurance coverage (sharing ministry, short-term plans). Sadly, these options will not be reimbursable underneath your organization’s ICHRA. You will want to attend till subsequent 12 months’s open enrollment to decide on a compliant well being plan to obtain reimbursements. 

We’re right here to assist!

Get in contact with our crew to enroll in a plan to make use of together with your employer’s HRA. We are going to stroll you thru your choices. Simply chat with us on the backside proper of your display. You can too electronic mail us at assist@takecommandhealth.com. We might be glad that will help you.

Joyful open enrollment!