When is Open Enrollment for Private Healthcare Insurance?

 Open Enrollment depends on if you are choosing between an ACA Plan OR a Non-ACA plan. Those of you with NO major pre-existing conditions, you can enroll ANYTIME during the year! You would sign up for a NON-ACA/Obamacare Plan. Many carriers have Non-ACA Plans like United Healthcare, National General, Aetna, etc.

Those of you WITH major pre-existing conditions (heart disease/stroke, cancer, chronic obstructive pulmonary disease (COPD), diabetes, human immunodeficiency virus (HIV), substance abuse or for people who need maternity care or invitro fertilization), have open enrollment this year ONLY from Nov.1-Dec. 15. The only time OUTSIDE the yearly Open Enrollment Period when you can sign up for an ACA insurance plan is if you’ve had a qualifying life event, including losing health coverage, moving, getting married, having a baby, or adopting a child. Only 1 carrier offers ACA plans and that is BCBS. The Marketplace online (healthcare.gov) ONLY sells ACA PLANS through BCBS.