Market Enrollment Tips

TargetHIV

Open Enrollment (OE) begins on November 1, 2022, and runs through January 15, 2023. This graphic depicts coverage start date according to the time of enrollment during OE. Click the graphic to expand the image.

From the ACE TA Center Listserv

Marketplace Open Enrollment is underway. A few reminders: 1: Encourage active plan renewal: 2: Public Charge policy no longer affects eligibility requirements for public benefits.

1. Encourage Active Plan Renewal

Some clients with existing Marketplace health coverage may believe they do not need to do anything during Open Enrollment for 2023 Marketplace plans, but plans change and people change.

  • What is active plan renewal? Active plan renewal refers to the process of logging into a person’s Marketplace account, reviewing the plan options, and selecting the plan that is best for that individual.
  • Why is this important? If clients don’t take action during Open Enrollment, they could end up being auto-enrolled into a Marketplace plan that may not be the best option for their health needs. Here are a few things to watch out for:
    • If a client does not log into their Marketplace account to actively choose a planby the last day of Open Enrollment (see deadlines below), they will be automatically re-enrolled in their current plan. 
    • If a client’s plan is not offered again this year, they will be auto-enrolled into a different plan with a similar premium amount. If they miss the deadline to re-enroll in a plan of their choice, they will not be able to make any plan changes until the next Open Enrollment Period, unless they qualify for a Special Enrollment Period.

Encourage your clients to log into their Marketplace accounts and actively compare plans to ensure their current health plan is available and still works for them, or to choose a different plan. Doing this will help them avoid being auto-enrolled into a plan that may not provide the best coverage for their health needs.  


Deadline Reminders

Open Enrollment (OE) for 2023 Marketplace health coverage began on November 1, 2022 and will run through January 15, 2023 for all states that use HealthCare.gov.

Some states with their own state-based health insurance exchange have extended 2023 OE dates, including:

  • California: January 31, 2023
  • D.C.: January 31, 2023
  • Massachusetts: January 23, 2023
  • New Jersey: January 31, 2023
  • New York: January 31, 2023
  • Rhode Island: January 31, 2023

2: The Public Charge Policy No Longer Affects Eligibility Requirements for Public Benefits

Immigrant clients may not be aware of the health care options available to them, or may fear that enrolling in coverage will put their or their family members’ immigration status at risk.

The Public Charge policy no longer affects eligibility requirements for any public benefit, regardless of a client’s immigration status. There is no longer a relationship between health coverage and the public charge test. In addition, many immigrants do not face a Public Charge test in their immigration applications. Learn more about the Public Charge final rule.

Non-citizens are not automatically barred from all forms of health coverage. Each program has a different set of residency, citizenship, and/or immigration requirements. For example, the Marketplace lists specific immigration statuses that qualify for coverage. Some state Medicaid programs provide coverage for non-citizens and/or undocumented individuals. It is important to look at the eligibility requirements for each type of health coverage, to determine which coverage options a particular client is eligible for. 

Have questions about Open Enrollment for 2023? Send the ACE TA Center an email.

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