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Health Insurance Blog - Healthcare.gov

No 2018 health insurance? See if you can still get coverage

If you didn’t enroll in Marketplace health insurance during the 2018 Open Enrollment Period, you may still be able to get coverage two ways:

Image: {See if you can still get 2018 insurance}

If you qualify for a Special Enrollment Period

Through Medicaid or the Children’s Health Insurance Program (CHIP)

  • Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
  • If you’re eligible, your coverage can start right away, any time of year.
  • Learn how to apply for Medicaid and CHIP.


POSTED JANUARY 11, 2018
Take advantage of free preventive services in 2018

Ring in the new year by taking advantage of the free preventive services covered by your Marketplace health insurance! Most Marketplace health plans cover a set of preventive services — like flu shots and screening tests — at no cost to you.

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What preventive services are covered?

Remember to stay in your plan's network

  • Visiting an "in-network" provider usually means you’ll have lower out-of-pocket costs.
  • Preventive services are free only when delivered by a doctor or other provider in your plan’s network.
  • Visit your health plan’s website and view their provider directory for a list of the doctors, hospitals, and other health care providers that your plan contracts with.

Learn more about what’s covered by Marketplace insurance.



POSTED JANUARY 04, 2018
Don’t forget to pay your premium to activate your coverage

Now that you enrolled in Marketplace insurance for 2018, don’t forget to pay your monthly premium directly to your health insurance company, not to the Health Insurance Marketplace. Your coverage won’t start until you do.

Insurance companies handle premium payments differently. Follow your insurer’s instructions about how and when to make your premium payment.

You may be able to pay online

Follow these steps to pay at HealthCare.gov:

  1. Log in to your Marketplace account.
  2. Select "Start a new application or update an existing one."
  3. Click your name in the top right, and select "My applications & coverage." Choose your 2018 application under "Your existing applications."
  4. Click the blue button "Pay your first premium."

    Image: {Pay first premium online}

  5. If online payment is available, choose the green button "Pay for health plan now" to go to your insurance company’s website to pay.

Note: If your health insurance company doesn’t accept online payment, they should have contacted you with next steps. Reach out to them if you haven’t received details on how to pay or aren’t sure that you paid. For their phone number, check out your plan brochure or go to their website.

Learn more about completing your enrollment.



POSTED DECEMBER 21, 2017
Open Enrollment is over, but you may still have coverage options!

The deadline to enroll in or change a 2018 Marketplace plan has passed. But you may still be able to enroll in 2018 health insurance if you qualify for a Special Enrollment Period, or get health coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

Image: {2018 insurance options outside Open Enrollment}

Apply with a Special Enrollment Period

  • If you experience certain life changes — like losing health coverage, getting married, or having a baby — you may still be able to enroll in a 2018 Marketplace plan through a Special Enrollment Period.
  • Learn more about the life changes that may make you eligible.

Getting covered with Medicaid or CHIP

Answer a few fast questions to see if you qualify for a Special Enrollment Period, or Medicaid or CHIP.



POSTED DECEMBER 16, 2017
You have until December 15 to sign up for 2018 health coverage

Only a few days remain before the final December 15 deadline to enroll in 2018 Marketplace health insurance. If you miss the deadline, you may have to wait another year to sign up (unless you qualify for a Special Enrollment Period).

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Don’t miss the deadline & act now

  • First time using HealthCare.gov? Create an account now.
  • Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.
  • Want to see plans first? Preview 2018 plans, with price estimates based on your income, before logging in.

Get fast information



POSTED DECEMBER 07, 2017
Important: Time is running out for 2018 health coverage

Your last chance to enroll in or change Marketplace health insurance plans for 2018 is December 15, 2017. That’s just over 2 weeks away. This is the last and only deadline for 2018 coverage.

Image: {Important: Time is running out for 2018 health coverage}

Act now & don’t miss the health insurance deadline

  • First time using HealthCare.gov? Create an account now.
  • Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.

Get help completing your application



POSTED NOVEMBER 30, 2017
Auto-enrollment isn’t your best option: Update and compare by December 15

If you had Marketplace health insurance in 2017, you can renew, change or update your plan for next year until December 15, 2017. That’s about a month away. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.

Image: {Auto-enrollment isn’t your best option: Update and compare by Dec. 15}

Update & compare, even if you want to keep the same plan for 2018

Even if you want to keep your same plan for 2018, make sure you it's your best option — log in and update your information by December 15, 2017:

  • New plans may be available this year.
  • Costs and coverage could change in your current plan.
  • If you don't update your application, your financial assistance may be incorrect. You could pay too much for your monthly premium or use more advance payments of the premium tax credit than you qualify for.

Ready to update your application for 2018?

  • Log in and select your 2018 application. It'll be pre-filled with your 2017 information, so you only need to update what's changing.
  • Update any expected income and household changes for 2018.
  • Continue with your 2018 enrollment.


POSTED NOVEMBER 16, 2017
Learn about your costs for 2018 Marketplace insurance

You can enroll in or change 2018 Marketplace health insurance right now. The 2018 Open Enrollment Period runs until December 15, 2017. Before you apply, get a quick idea of your costs.

Image: {2018 Marketplace Health Insurance Costs}

What you pay for insurance depends on your income

For more information on costs

Ready to apply?

  • First time using HealthCare.gov? Create an account now.
  • Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.
  • Want to see plans first? Preview 2018 plans with price estimates based on your income before you log in.


POSTED NOVEMBER 09, 2017
Open Enrollment for 2018 Marketplace health insurance starts today

The Health Insurance Marketplace is open for business. Starting today, you can apply for new 2018 health insurance — or you can renew, change or update your current health plan for 2018.

Image: Open Enrollment for 2018 Marketplace health insurance starts today

Important dates

November 1, 2017: Open Enrollment starts: first day to enroll, re-enroll or change a 2018 insurance plan through the Health Insurance Marketplace

December 15, 2017: Last day to enroll in or change plans for 2018 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.

January 1, 2018: 2018 coverage starts, if you’ve paid your premium

Get started

• First time using HealthCare.gov? Create an account now.

• Have 2017 Marketplace insurance? Log in now to update your application and compare plans for 2018.

• Want to see plans first? Preview 2018 plans, with price estimates based on your income, before logging in.



POSTED NOVEMBER 01, 2017
Coming soon: Changes to the Small Business Health Options Program (SHOP) for 2018

It’s that time of year again, when you may be starting to think about your small business’ health insurance options for 2018. For plans starting January 1, 2018, the Small Business Health Options Program (SHOP) will offer some new features that’ll impact how you enroll and manage your coverage.

Image: {2018 Changes to SHOP}

What’s new for small business owners

  • For plans starting on or after January 1, 2018, you’ll enroll with your insurance company, or with the assistance of an agent or broker.
  • You’ll no longer use HealthCare.gov to select and enroll in plans, or manage coverage and pay premiums. See SHOP plans and prices in your area.

What’s staying the same



POSTED NOVEMBER 01, 2017

News – Insurance Journal

Industry Needs to Join Insurtech Wave to Digitize Insurance: AFL’s Esser
There is a fundamental need for reform and modernization, particularly in the London market. We should be electronically processing all lines of business, not just specialty classes. Of course, we should look at ubiquitous electronic placement too. So what can …

POSTED JANUARY 18, 2018 8:15 AM
West Virginia College Ordered to Pay $250K in Discrimination Suit
A judge has entered a $250,000 judgment against West Virginia Wesleyan College in a discrimination lawsuit. The Exponent Telegram reports a circuit judge in Upshur County made the ruling recently in a lawsuit filed by a former employee of the …

POSTED JANUARY 18, 2018 6:38 AM
Insurtech Lemonade’s Co-Founder Accuses Amazon of Poaching Employees
With two social media posts, Shai Wininger, co-founder of the insurtech Lemonade, accused giant Amazon of poaching employees of his startup insurance carrier that is powered by artificial intelligence and behavioral economics. Wininger also threatened to retaliate by leaving the …

POSTED JANUARY 18, 2018 6:00 AM
How the U.S. Can Improve Workplace Injury and Illness Data
Federal agency officials involved in reducing work-related injuries and illnesses believe there is still a lot to learn about the relationship between work and injuries, According to the experts, the government needs to update its workplace surveillance and data collection …

POSTED JANUARY 18, 2018 6:00 AM
For Florida Insurer American Integrity, Giving Back is Part of Company Culture
American Integrity Insurance Group’s charitable efforts have become an integral part of the company’s culture, and not just during the holiday season. The Florida-based insurer, which formed in 2006, began asking employees four years ago what charities they would like …

POSTED JANUARY 18, 2018 5:47 AM
JenCap Holdings to Acquire Genesee General of Georgia
JenCap Holdings LLC (JCH), a specialty insurance business, has agreed to acquire privately-held Genesee General, a managing general agency, program administrator and wholesale insurance broker based in Alpharetta, Ga. The transaction is expected to close in January 2018. Financial terms …

POSTED JANUARY 18, 2018 5:41 AM
National Interstate Forms Captive for Towing & Recovery Industry
National Interstate Insurance Company, a specialty property and casualty transportation insurer, has launched TowCap Premier, a group rental captive designed exclusively for the towing and recovery industry. National Interstate will market TowCap Premier directly through retail brokers, and is currently …

POSTED JANUARY 18, 2018 5:18 AM
Judge Allows Philadelphia’s Suit Claiming Unfair Lending by Wells Fargo
A federal judge in Philadelphia on Tuesday rejected Wells Fargo & Co.’s bid to dismiss that city’s lawsuit accusing the largest U.S. mortgage lender of predatory lending targeting black and Hispanic borrowers. U.S. District Judge Anita Brody said Philadelphia may …

POSTED JANUARY 17, 2018 8:33 PM
Ratings Assigned to Iowa’s Midwest Family Advantage Insurance
A.M. Best has assigned a Financial Strength Rating (FSR) of A- (Excellent) and a Long-Term Issuer Credit Rating (Long-Term ICR) of “a-” to Midwest Family Advantage Insurance Co. (Midwest Advantage). The outlook assigned to these ratings is stable. Concurrently, A.M. …

POSTED JANUARY 17, 2018 5:44 PM
Harvey-Devastated Texas Coastal Towns Still Working on Recovery
Some Texas coastal towns where Hurricane Harvey made landfall are working to restore tourism and other economic attractions nearly five months after the storm. Hundreds of businesses in Rockport and Fulton are now open amid recovery efforts assisted by Aransas …

POSTED JANUARY 17, 2018 5:40 PM

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