Health care reform impacts everyone. We're here to help.

Under the Affordable Care Act (ACA), Americans are now required to have health insurance. This year’s open enrollment period begins November 15, 2014 and ends February 15, 2015. If you do not enroll by February 15, you will be penalized by the federal government for not having health insurance coverage. Read more about the federal penalty.

You Need to Get Coverage.

You can start shopping for a health insurance plan on November 15. If you would like more information before you begin, visit our FAQs page and check out AskBlue®, an extremely valuable guide to helping you find health insurance that fits you and your budget. Call an enrollment counselor at 1-800-832-1845 (8:30 a.m.–5:30 p.m. EST, Mon.–Fri.).

What If I Can’t Afford Health Insurance?

Affordability is a major consideration for Americans purchasing their own health insurance. Fortunately, there are subsidies available to eligible individuals and families to help offset some of the costs consumers will incur. For many people, these subsidies bring excellent coverage within financial reach. Call an enrollment counselor at 1-800-832-1845 (8:30 a.m.–5:30 p.m. EST, Mon.–Fri.) – they have helped thousands qualify for financial assistance. 

Are There Other Opportunities to Get Covered?

You can only sign up for a qualified health plan during open enrollment. However, if you experience a qualifying life event (QLE), you may be granted a window of time to enroll in a new health insurance plan. Learn more about Special Enrollment Periods (SEPs).

Additionally, if you experience a gap in coverage, a short-term health plan may be a great option. You can sign up for a short-term policy at any time.

Note: Because the benefit structure is different from ACA metal plans, short-term health policies are not considered Qualified Health Plans under the ACA and will not help you avoid the government penalty.

Ready to Enroll?

There are many ways to get a health insurance plan: