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When can small employers enroll in coverage through the SHOP Marketplace?

Small employers can buy coverage for their employees through the SHOP Marketplace at any time during the year.  HealthCare.gov no longer operates a SHOP Marketplace website for small employers, however.  If you want to sponsor small group coverage through the Marketplace for your employees, you can contact Hummingbird Insurance to book an appointment!  In HealthCare.gov states, you can find a SHOP-certified broker using the Find Local Help tool.  Be sure to specify to the insurer or broker that you want a SHOP policy.

Can I buy a plan in the Marketplace if I don’t have a green card?

If you are not a U.S. citizen, a U.S. national, or an alien lawfully present in the U.S., you are not eligible to buy a plan on the health insurance Marketplace. However, you can shop for health insurance outside of the Marketplace in the non-group market. Insurers outside of the Marketplace are prohibited from turning you down based on your health status or your immigration status and must follow generally the same rules as plans in the Marketplace. To obtain coverage, contact a state-licensed health insurance company or a licensed agent or broker. Your state Department of Insurance can help you find one.  

Can I get help with my Marketplace application?

Yes! Hummingbird Insurance offers free consultations and help through our certified agents. If you need help with understanding which plan is best for you, book an appointment with us today! Working with us is always free and can help you to save money.

Additionally, all state Marketplaces are required to offer Navigator programs to help consumers complete their application for  financial help, including help applying for Medicaid or CHIP.  Navigators also help people review their plan choices and appeal Marketplace decisions.  Navigators are paid by the Marketplace, not by health plans, and they must complete Marketplace training and be free from conflicts of interest.

When can I enroll in private health plan coverage through the Marketplace?

In general, you can only enroll in non-group health plan coverage during the Open Enrollment period.

Once the Open Enrollment period is over, individuals and families will not be able to enroll in Marketplace health plans until the next Open Enrollment period. However, if you experience certain changes in circumstances during the year, you will have a special 60-day opportunity to enroll in Marketplace health plans, outside of the Open Enrollment period.

For individuals and families buying non-group coverage on their own, outside of the Marketplace, you can only enroll in coverage during Open Enrollment periods and special enrollment opportunities, as well.

American Indians and Alaska Natives can enroll in Marketplace coverage throughout the year, not just during Open Enrollment.

Who can buy coverage in the Marketplace?

Most people can shop for coverage in the Marketplace. To be eligible you must live in the state where your Marketplace is, you must be a citizen of the U.S. or be lawfully present in the U.S., and you must not currently be incarcerated.

Not everybody who is eligible to purchase coverage in the Marketplace will be eligible for subsidies, however. To qualify for subsidies (also called premium tax credits) people will have to meet additional requirements having to do with their income and their eligibility for other coverage.

What is the health insurance Marketplace?

Health Insurance Marketplaces (also known as Exchanges) are organizations set up to create more organized and competitive markets for buying health insurance. They offer a choice of different health plans, certify plans that participate, and provide information and in-person assistance to help consumers understand their options and apply for coverage. Through the Marketplace, individuals and families can shop for coverage if they need to buy health insurance on their own. Premium and cost sharing subsidies based on income are available through the Marketplace to make coverage affordable for individuals and families. People with very low incomes can also find out at the Marketplace if they are eligible for coverage through Medicaid and CHIP. Finally, small businesses can buy coverage for their employees through Small Business Health Options Program (SHOP) Marketplace plans.

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