State by State 2024 prolonged open enrollment information

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

We have put collectively this useful information simply so that you can decide the final attainable date you possibly can join a medical health insurance plan based mostly on if you need your protection to begin. Most of you might be on the lookout 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.

Vital: If you’re receiving reimbursements for medical health insurance via your employer with both an ICHRA or QSEHRA (two varieties of HRAs), a February begin date on your well being plan will imply your reimbursements will start in February as nicely. 

With just a few 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, which means they do not need to comply by the December fifteenth cutoff if they do not wish to. The states which have prolonged their open enrollment intervals for his or her residents embody: California, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Washington, and Washington D.C. Meaning if you happen to reside in a type of states, you will have extra time to think about your medical health insurance choices for 2024 than the remainder of the nation. 

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

Prolonged open enrollment interval deadlines for 2024

Should you 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 can even join till Jan. fifteenth for Feb. 1st protection. Simply test to see in case your state has prolonged to the sixteenth because of the vacation.

What occurs if I miss the deadline for open enrollment? 

Do not panic. You might need choices, relying on what kind of HRA you might be being provided via your organization!

In case your employer gives you a QSEHRA, our group will help you look into different plans (like sharing ministries, for instance) to couple with a person / preventative MEC plan. These prices shall be reimbursable via your QSEHRA.

Here is an necessary word concerning the timing. For a February 1 begin date, assume that you will must 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. Consider these dates as you are seeking to enroll in another plan or if you happen to’ve certified for a particular enrollment interval. 

If you’re being provided an ICHRA, test to see if you happen to qualify for a particular enrollment interval. Here is a full listing.

Adjustments in family

You might qualify for a Particular Enrollment Interval if you happen to or anybody in your family previously 60 days:

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

Adjustments in residence

• Family strikes that qualify you for a Particular Enrollment Interval:
• Transferring to a brand new dwelling in a brand new ZIP code or county
• Transferring to the U.S. from a international nation or United States territory
• A pupil transferring to or from the place they attend college
• A seasonal employee transferring to or from the place they each reside and work
• Transferring 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 supply proof if you happen to’re transferring from a international nation or United States territory.

Lack of medical health insurance

• Should you or anybody in your family misplaced qualifying well being protection previously 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 got your self. There are a number of carriers leaving sure states or the whole particular person market altogether.
• Shedding eligibility for Medicaid or CHIP
• Shedding eligibility for Medicare
• Shedding protection via a member of the family

Further qualifying modifications

• Adjustments that make you 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
• Turning into newly eligible for Market protection since you turned a U.S. citizen
• Leaving incarceration
• AmeriCorps VISTA members beginning or ending their service

Should you do not qualify for a particular enrollment interval as a consequence of one of many above circumstances, your finest guess is to only select another plan of insurance coverage (sharing ministry, short-term plans). Sadly, these options will not be reimbursable beneath your organization’s ICHRA. You may want to attend till subsequent yr’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 group to join a plan to make use of along with your employer’s HRA. We’ll stroll you thru your choices. Simply chat with us on the backside proper of your display screen. It’s also possible to e-mail us at assist@takecommandhealth.com. We might be pleased that can assist you.

Joyful open enrollment!