Open Enrollment Do’s & Don’ts for Obamacare (ACA)
November 1 – January 15
Don’t wait until January 15th to enroll. You must apply by December 15th for coverage to begin January 1, 2022. Applications made from December 16 – January 15 will have a February 1,2022 start date.
Don’t depend on healthcare.gov or other online systems. They don’t understand the local provider situation or ask enough questions to get you the best benefits.
Do check in with your agent if you’re getting ACA premium assistance to make sure you’ll get the greatest benefit in 2022.
Do pay attention to correspondence from your insurance provider. If you’re not getting ACA government assistance and your plan is working for you, you don’t have to do anything. If you’re on automatic deduction the insurance provider will adjust any changes in 2022 premium payment with your bank.
Do make sure your premium is paid through December,2021. Call the customer service number on your card. If you’re in arrears, any premium you pay in January will go to clear it up and not to make the renewed policy active.