Healthcare Open Enrollment 2020

Healthcare Open Enrollment is Here!

November 1st - December 15th

What is Healthcare Open Enrollment? Healthcare Open Enrollment is the only time during the year that an individual who is not eligible for Medicaid may apply for health insurance. During this time, consumers can sign up for private health insurance plans either through the Marketplace or through a private broker. If you are not offered health insurance through your employer, Medicare, Medicaid, CHIP, or another source that provides qualifying coverage, the Marketplace can help you get insured.

You can qualify for low-cost insurance!

The Health Insurance Marketplace offers significant savings on your monthly insurance premiums, as well as lower costs on out-of-pocket medical expenses.

Even if you are above the Medicaid limit, you can still afford insurance!

Save Time & Skip the Line

To sign up for an appointment to get help from the LRRC with applying for a private insurance plan through the Health Insurance Marketplace or comparing your insurance options, visit http://oe2020.lrrcenter.org, and an LRRC representative will contact you to schedule an appointment.

TIPS

  1. During previous years, Open Enrollment lasted for three months. However, the 2020 Open Enrollment period will only last a total of 45 days. The only time to purchase private insurance for 2020 is from November 1st until December 15th, 2019. Coverage will begin on January 1, 2020.

  2. If you are a dependent under your parent's private insurance plan and you may become pregnant, you must check if your insurance plan has maternity benefits. If it does not, and you will not be eligible for NJ FamilyCare during the pregnancy, you must purchase a private insurance plan during Open Enrollment. If you do not enroll before December 15th, you will not be able to purchase an insurance plan to cover your maternity needs until next Open Enrollment - with coverage beginning in 2021.

  3. New this year, Horizon BCBS is offering Gold plan that has access to some doctors out of New Jersey (not out-of-network coverage, but good provider options). If you think you may need to see doctors that are not in-network with your current insurance at any point during 2020, you must enroll before December 15th.

  4. Any NJ resident who does not have health insurance for all of 2020 will have to pay a charge of $695 per adult ($347.50 per child) up to a household maximum of $2,085 or 2.5% of your household income above the tax filing threshold, whichever is greater.

  5. The network and benefits of the insurance plan is not affected by where you purchase it. If you purchase a plan through the Marketplace and receive financial assistance, the network and benefits of the plan will be exactly the same as if you purchase the plan directly from the insurance company or from a private insurance broker. If you are eligible for government help paying for the cost of the plan, make sure to purchase the plan through the Marketplace.

  6. Any lawfully present immigrant (those with a green card, many types of visas etc.) can buy private health insurance through the Marketplace. If income is very low, plans will be exceptionally affordable. Visit https://healthcare.gov or call 1-800-318-2596 to see what financial help you may be eligible for.

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