Healthcare.gov

During the yearly Open Enrolment Period, you can enrol in or change a health plan any time. Enrol by the 15th of the month and coverage starts the first day of the next month.

If you have certain life changes, you can qualify for a Special Enrolment Period. If you do, your coverage could start sooner.

If you have a baby, adopt a child, or place a child for foster care: Your coverage can start the day of the event – even if you enrol in the plan up to 60 days afterward.

If you get married, lose health coverage, move to a new state, or qualify for a Special Enrolment Period another way: Pick a plan by the last day of the month and your coverage can start the first day of the next month.

If this is the first year you’re applying,Simply use HealthCare.gov to apply and enrol in health insurance. You’ll create a Healthcare.gov account, fill out an application, pick a plan, and enroll. You can preview 2016 plans first, before you create an account, with prices based on your income

If you had 2015 individual or family insurance through the Hawaii Health Connector, For 2016 insurance, you’ll apply and enrol using HealthCare.gov. You’ll create a HealthCare.gov account, fill out a new application, pick a plan, and enroll. Your 2015 plan, or one similar to it, may or may not be available. The Hawaii Health Connector mailed out notices to all qualified applicants in October with more details. Your 2015 coverage ends December 31, 2015, no matter when you enrolled or last updated your information.

About the Law

The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

View Key Features of the Affordable Care Act or read a year-by-year overview of features.

Coverage

Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.

Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.

Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.

Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.

Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.

Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.