Still need coverage for 2015?
The Open Enrollment Period for 2015 coverage is over. You can still get coverage two ways:
If you qualify for a Special Enrollment Period due to a life change like marriage, having a baby, or losing other coverage
Through Medicaid and the Children’s Health Insurance Program, which provide coverage to families and individuals with limited income or other reasons.
If you’ve been turned down for Medicaid or Children’s Health Insurance Program (CHIP) coverage by your state, you may be able to buy a private health plan through the Marketplace instead.
If you enroll in a private health plan, you may be able to get premium tax credits and other savings that make coverage more affordable. This will depend on your household size and income.
If your state agency determines that you or someone in your household isn’t eligible for Medicaid or CHIP, you’ll get a notice that explains this.
In most cases, the state will send your information to the Marketplace in a secure transaction. The Marketplace will send you a notice explaining how to submit an application for private insurance that’s been pre-filled with the information you gave the state agency.
Important: When you fill out your Marketplace application, you may be asked if you’ve been denied Medicaid and CHIP coverage by your state agency since October 1, 2013. Be sure to answer “Yes” to this question.
If your state hasn’t expanded Medicaid and your state agency said you’re not eligible under its current rules, you may have fewer options for coverage. Depending on your income you may not qualify for help paying for private coverage through the Marketplace.
To see if your state is expanding Medicaid, visit this page and select your state from the menu.