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    which of the following individuals has enrolled in a plan based on a fixed enrollment period?

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    Special Enrollment Periods for Complex Health Care Issues

    Learn about Special Enrollment Periods and about your Health Insurance Marketplace® enrollment options at Healthcare.gov.

    Special Enrollment Periods for complex issues

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    IMPORTANT: Impacted by the coronavirus disease 2019 (COVID-19) national emergency?

    Because FEMA declared COVID-19 a national emergency, if you qualified for a Special Enrollment Period but missed the deadline because you were impacted by COVID-19 (including if you or a family member was sick with COVID-19 or if the emergency impacted your job and caused you to be uncertain about your job-based coverage), you may be eligible for another Special Enrollment Period. Visit FEMA.gov for information about emergencies in your state.

    If anyone on your Marketplace application lost coverage anytime in 2020 but missed the deadline to enroll because they were impacted by the FEMA-declared coronavirus disease 2019 (COVID-19) national emergency, you can create an account and apply on HealthCare.gov to see if you qualify for this Special Enrollment Period, or log in and update your current application if you already have an account.

    Note: You may be asked to submit documents to confirm the loss of coverage. Documents must show that you lost coverage within the past 60 days or more than 60 days ago but since January 1, 2020.

    If you had a life event other than a loss of coverage more than 60 days ago and missed your Special Enrollment Period, contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) to see if you qualify for a Special Enrollment Period.

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    IMPORTANT: Recently impacted by a hurricane or other natural disaster?

    If you were qualified to enroll in Marketplace coverage during Open Enrollment or a Special Enrollment Period but were unable to enroll due to a hurricane or other natural disaster, you may be eligible for another Special Enrollment Period. To qualify, you must live (or have lived during the event) in a county that is eligible to apply for "individual assistance" or "public assistance" by the Federal Emergency Management Agency (FEMA). If you are eligible, you have 60 days from the end of the FEMA-designated incident period to complete your enrollment in Marketplace coverage and request a retroactive start date based on when you would have picked a plan if not for the disaster. See the following link for FEMA designation information: https://www.fema.gov/disasters. For help enrolling through this Special Enrollment Period, contact the Marketplace Call Center.

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    You can enroll in a private health plan through the Marketplace only if you qualify for a Special Enrollment Period.

    You may qualify for a Special Enrollment Period if any of these apply to you:

    You have a qualifying life event, like having a baby, getting married, moving, or losing other coverage.

    Your estimated household income is within a certain range.

    You have other complicated situations, as described on this page.

    Learn more about Special Enrollment Periods and your coverage options for the rest of 2022.

    Other complicated cases that may qualify you for a Special Enrollment Period

    Below are cases and examples that may also qualify you for a Special Enrollment Period:

    You experience an exceptional circumstance

    You experience a Marketplace enrollment or plan information display error

    You live or previously lived in a state that hasn’t expanded Medicaid and you become newly eligible for help paying for a Marketplace insurance plan

    You are determined ineligible for Medicaid or CHIP

    You gain or become a dependent due to a child support or other court order

    You experience domestic abuse/violence or spousal abandonment

    You get an appeal decision that’s in your favor

    Exceptional circumstance

    You faced a serious medical condition, natural disaster, or other national or state-level emergency that kept you from enrolling. For example:

    An unexpected hospitalization or temporary cognitive disability, or were otherwise incapacitated

    A natural disaster, such as an earthquake, massive flooding, or hurricane

    Enrollment or plan information display errors

    Misinformation, misrepresentation, misconduct, or inaction of someone working in an official capacity to help you enroll (like an insurance company, navigator, certified application counselor, or agent or broker) kept you from:

    Enrolling in a plan

    Enrolling in the right plan

    Getting the premium tax credit or cost-sharing reduction you were eligible for

    A technical error occurred when you applied on HealthCare.gov -- you probably saw an error message when completing your application – that prevented:

    You from enrolling in a plan, or

    Your health insurance company from receiving your enrollment information

    The wrong plan data was displayed on HealthCare.gov at the time that you selected your health plan, such as benefit or cost-sharing information.

    Becoming newly eligible for help paying for a Marketplace insurance plan during or after living in a state that hasn’t expanded Medicaid

    You previously lived in a state that hasn’t expanded Medicaid and weren’t eligible for Medicaid or advance payments of the premium tax credit (APTC) because your income was too low. But in the last 60 days, you had an increase in household income or moved, making you newly eligible for premium tax credits.

    Source : www.healthcare.gov

    Enroll in a MassHealth health plan

    Learn how you can enroll in a health plan or change your plan.

    THIS PAGE, ENROLL IN A MASSHEALTH HEALTH PLAN - INDIVIDUALS AND FAMILIES YOUNGER THAN 65, IS

    OFFERED BY MassHealth

    Enroll in a MassHealth health plan - individuals and families younger than 65

    Learn how you can enroll in a health plan or change your plan.

    Compare plans at MassHealthChoices.com

    Contact

    Enroll now

    for Enroll in a MassHealth health plan - individuals and families younger than 65

    MassHealth Customer Service Center

    Phone

    Main

    Call MassHealth Customer Service Center, Main at

    (800) 841-2900

    Self-service available 24 hrs/day in English and Spanish. Other services available Monday-Friday 8 a.m.–5 p.m. Interpreter service available.

    TTY

    Call MassHealth Customer Service Center, TTY at

    (800) 497-4648

    Self-service available 24 hrs/day in English and Spanish. Other services available Monday-Friday 8 a.m.–5 p.m. Interpreter service available.

    THE DETAILS

    OF ENROLL IN A MASSHEALTH HEALTH PLAN - INDIVIDUALS AND FAMILIES YOUNGER THAN 65

    What you need

    for Enroll in a MassHealth health plan - individuals and families younger than 65

    Did you receive a notice recently about enrolling in a health plan? That's because certain MassHealth members must enroll in a MassHealth health plan. A health plan is a group of providers, hospitals, and other health care professionals who work together to meet your health care needs.

    You may not need to enroll in a health plan if you

    Are 65 or older

    Have another health plan, such as Medicare or coverage through your job

    Live in a nursing home or other facility

    Learn about your health plan options

    Go to MassHealthChoices.com. Here, you'll learn about our health plans, get answers to your questions, and get help choosing health plans and providers. You can also learn about upcoming enrollment events for in-person help.

    How to enroll

    Enroll in a MassHealth health plan - individuals and families younger than 65

    More info

    for Enroll in a MassHealth health plan - individuals and families younger than 65

    Applying for MassHealth coverage

    You must be a MassHealth member to enroll in a health plan. If you are not already a member, you must apply for MassHealth coverage first.

    You can easily apply for MassHealth at www.MAhealthconnector.org.

    Or learn more about the application process here.

    Changing your health plan

    Once you've enrolled, you can still change your health plan during your yearly Plan Selection Period.

    Primary Care Clinician Plan members can switch plans at any time.

    Contact

    for Enroll in a MassHealth health plan - individuals and families younger than 65

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    Find a provider

    Learn about the Plan Selection Period

    Learn about the Fixed Enrollment Period

    RELATED

    TO ENROLL IN A MASSHEALTH HEALTH PLAN - INDIVIDUALS AND FAMILIES YOUNGER THAN 65

    Find a provider

    Learn about the Plan Selection Period

    Learn about the Fixed Enrollment Period

    Feedback

    Source : www.mass.gov

    Your Open Enrollment Questions Answered

    Questions about this year's open enrollment? AWA Plans has your answers and more. Don't see your question? Contact us to learn more.

    YOUR OPEN ENROLLMENT QUESTIONS ANSWERED

    HOME » YOUR OPEN ENROLLMENT QUESTIONS ANSWERED

    Recent changes to open enrollment dates have extended the amount of time individuals have to sign up for health insurance. When signing up for 2022 health insurance, those using the marketplace will have a full 75 days to choose a plan and complete the signup process.

    What is Open Enrollment?

    The short and simple answer is that open enrollment is the period of time each year when individuals can sign up for health insurance or change their plans. While certain qualifying events can make a person eligible to sign up outside of open enrollment, for the most part, applications and changes to coverage must be completed during this time.

    Why is There an Open Enrollment Period?

    You can enroll in most other types of insurance whenever you need them, so why is health insurance any different?

    The purpose of the open enrollment period is to discourage what is known as adverse selection. This refers to a situation in which a person does not have health insurance, becomes sick, signs up for health insurance, and then cancels their plan once they are well.

    When adverse selection becomes significant within a health insurance marketplace, it can skew the cost to insurance providers because healthy people are less likely to sign up. An open enrollment period encourages everyone to sign up and be covered in case the worst happens.

    Many Types of Health Insurance Use Open Enrollment Periods

    Not all types of health insurance use open enrollment periods, but many do. Some of the most common that do follow these periods are:

    Medicare

    Job-based health coverage

    Individual market health coverage

    If you plan to apply for one of these types of coverage or have one of these types of coverage and want to make changes to your plan, you will most likely need to do so during open enrollment.

    The Open Enrollment Period for 2022

    The dates for 2022 open enrollment include a larger window of dates than in previous years:

    November 1st, 2021 – The Beginning of Open Enrollment

    This is the first day an individual can enroll, re-enroll, or change their insurance plan via the Health Insurance Marketplace

    December 15th, 2021 – The Last Day for Enrollment

    For coverage that will begin January 1st, 2022, the last day to enroll is December 15th, 2021.

    January 1st, 2022 – The First Day of Coverage

    For individuals who have enrolled by December 15th and paid their first premium, coverage begins on January 1st.

    January 15th, 2022 – Finally Day to Enroll or Amend Plans for 2022

    If you do not make changes to your plan or sign up for a new plan by December 15th, you are not out of luck. You can still sign up until January 15th, 2022, but your starting date will not be the 1st of the year.

    If you do not sign up or make changes by January 15th, 2022, you will need to have a qualifying event or wait until the open enrollment for 2023 coverage.

    February 1st, 2022 – The First Day of Coverage

    For those who signed up and paid their first premium after December 15th but before January 15th, coverage will begin on February 1st, 2022.

    February 1st, 2022: 2022 coverage starts if you enrolled by January 15th, 2022, and you've paid your first premium.

    Medicare Open Enrollment Dates Are Different

    One important thing to note about the dates above is that they do not apply to Medicare open enrollment. The dates to sign up for Medicare Advantage and Part D plans are October 15th to December 7th each year.

    Job-Based Open Enrollment Periods Can Be at Any Time

    If you are covered by your employer’s group health insurance plan, they can set the open enrollment dates at any time they would like. That said, it is most common for them to have open enrollment in the fall to ensure coverage begins on the first of the year.

    Qualifying Events Can Allow You to Get Health Insurance or Change Your Coverage After Open Enrollment

    If you do not sign up for coverage during open enrollment, you will need to qualify for a Special Enrollment Period due to a qualifying event.

    Examples of qualifying events include:

    Involuntarily losing health coverage: This includes ending your

    employment (whether voluntarily or not), aging off of a parent's health plan, the expiration of COBRA, and divorce, amongst others.

    Moving: If you move out of your plan's service area or move somewhere that has different plans available, you can qualify for a Special Enrollment Period.MarriageHaving a baby or adopting a childNo longer being eligible for Medicaid or CHIPBecoming a member of a federally recognized tribe Status as an Alaska Native Claims Settlement Act Corporation shareholder Becoming a citizen of the United States

    Source : awaplans.com

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