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AgileHealthInsurance Report | 2019-07-13

Obamacare Plans and The 2020 ACA Open Enrollment Period

Important ACA healthcare market place Open Enrollment Dates and Information, with options in case they missed it.

Whether you’re an individual or family, it’s important to have a good health insurance plan.

If you’re looking for health care plans on the Obamacare exchange marketplace that comply with the Affordable Care Act for 2020, there are a few things to keep in mind.

What is Open Enrollment?

The 2020 Open Enrollment Period is when the ACA healthcare exchange marketplace goes live and individuals and families can compare plans. The Open Enrollment Period occurs once a year and lasts for about six weeks in November to December of 2019, although that can vary depending on which state you live in.

Consumers seeking an ACA plan for 2020 should mark their calendars accordingly so they do not miss the deadline. The most important thing to know is that you can only sign up during a certain time of the year, a time known as the Open Enrollment Period, unless you qualify for a special exception period.

When is Open Enrollment?

For marketplace insurance from the Obamacare healthcare exchange that goes into effect ons January 1st of 2020, an individual or family will have from November 1 - December 15, 2019 to complete the ACA open enrollment process.

If you missed the deadline for Open Enrollment Period, you can still sign up for an Obamacare health plan plan if you qualify for an ACA Special Enrollment Period, or get a short term medical insurance policy. This can occur if you lose health insurance you had through a job, have a baby, get married, or certain other life changes.

Another thing to note about Obamacare exchange plans is that they can be expensive, especially if you don’t qualify for a tax subsidy. Due to the high costs associated with such comprehensive coverage that the ACA plans come with, many consumers have decided to pursue alternatives such as short term medical insurance. Although it does not cover pre-existing conditions, you can purchase short term medical insurance year round outside the Open Enrollment Period and get immediate coverage until the next OEP begins.

Can You Cancel the Insurance After Open Enrollment?

Yes of course. If you feel like the policy isn’t working out for you, you can definitely cancel. is a leader in short term medical insurance, and carries amazing low-cost options for people looking to save money in their budget. Short Term Medical Insurance has no open enrollment period and can be purchased outside open enrollment at any point during the year. If you’re a family or individual on a budget, it’s definitely worth seeing what’s available in your area.

Compare ACA plans on our sister site, HealthPocket.

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