Open Enrollment 2018 dates for year 2019 coverage!!

 

HealthCare.gov open enrollment dates-2018 for year 2019!!

Residents in states using the federal exchange, HealthCare.gov, have from November 1 to December , 2018 to choose and purchase a policy.

States using HealthCare.gov include:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming

As long as residents in these states enroll by December 15, 2018 their coverage will begin on January 1 2019 and they will qualify as insured in 2019.

State exchange open enrollment dates

Many states running their own health insurance exchange have decided to extend open enrollment by at least a week. Some, though, are using the official federal timeline.

These states—and their enrollment dates—are:

  • California: October 15, 2018, to January 15, 2019
  • Colorado: November 1, 2018, to January 15, 2019
  • Connecticut: November 1, 2018, to December 15, 2018
  • Idaho: November 1, 2018, to December 15, 2018
  • Maryland: November 1, 2018, to December 15, 2018
Massachusetts December 23, 2018 January 23, 2019
Minnesota December 15, 2018 January 13, 2019
New York December 15, 2018 January 15, 2019 January 31, 2019
Rhode Island December 31, 2018
Vermont December 15, 2018
Washington December 15, 2018
Washington, DC December 15, 2018 January 15, 2019 January 31, 2019

Open enrollment and QSEHRAs

Individuals participating in a company QSEHRA in 2019 must have minimum essential coverage (MEC) in place to receive QSEHRA reimbursements tax-free. Open enrollment is often the best time to secure MEC.

If employees already have a policy that meets MEC (through a spouse’s employer-sponsored plan or a parent’s plan), they won’t need to purchase an individual policy to get tax-free reimbursements.

After purchasing a policy, individuals should submit verification information to their company. They can then receive reimbursement for their monthly premiums, as well as all other qualified expenses, tax-free.

Without MEC, individuals can still participate in a QSEHRA, but they must report reimbursements as taxable income.

What if I miss open enrollment?

Those who miss 2019 open enrollment will need to wait until 2020 open enrollment to purchase an individual health insurance policy with MEC.

The only other way to purchase a policy is to trigger a special enrollment period by experiencing a qualifying life event. You can read more about that here.

Because of these requirements, it’s vital that anyone who wants to have coverage under an individual policy with MEC in 2019 purchase a policy during this window.

Further information from:    Eric Walters

                                                     Cell: 602-616-1660

WEB: www.ewconsultant.biz

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