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AgileHealthInsurance Report | 2017-03-06

Obamacare Plans and The 2018 Open Enrollment Period

Obamacare plans and the 2018 open enrollment period

Newly-elected President Trump and the Republican-controlled Congress are working fast to create a new set of health care laws to reform and replace the Affordable Care Act. This has many consumers confused as to if they will be able to get Obamacare coverage in the next year.

Given the complexity of healthcare and the pace of legislative reform, at this time, it appears that some version of Obamacare will still be around by the open enrollment period beginning this fall. Insurers are currently just a few weeks from having to submit plans for 2018, and though it is quite likely that the ACA will be replaced, the process will be a long one,but many key features may be replaced before then. Last month, the president signed an executive order meant to minimize “unwarranted economic and regulatory burdens” of the ACA. Though the order did not require any specific actions, it gives broad authority to the Department of Health and Human Services to reform the ACA by easing regulatory requirements.

Consumers hoping to enroll in a 2018 ACA plan may have much less time to sign up. The Centers for Medicare and Medicaid Services (CMS) issued a proposed rule that would shorten the open enrollment period by 6 weeks. If the rule becomes final, OEP will run from November 1, 2017 to December 15, 2017. Consumers seeking an ACA plan for 2018 should mark their calendars accordingly so they do not miss the deadline.

While the ACA exchanges will likely be available in 2018, consumer choice may be severely restricted. Facing large financial losses, many insurers like Aetna, UnitedHealthcare, and Humana have started removing their plans from exchanges which has created a coverage vacuum where many people will have fewer, or no options for ACA compliant plans.

In the wake of uncertainty regarding Obamacare, many consumers have decided to pursue alternatives such as short-term health insurance, major medical insurance in case of accident or illness, though it does not cover pre-existing conditions. is a leader in short-term health insurance, and carries great low-cost options. Short-term health insurance has no open enrollment period and can be purchased at any point.

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Short-term insurance has long been seen as an affordable option for those who need quality health insurance, but may not be able to afford the high premiums associated with an ACA approved plan. Click Here to learn anything you may want to know about short-term health insurance.