Medicare and ObamaCare Open Enrollment Periods 2023

 

• The Medicare Open Enrollment period starts on October 15, 2022, and continues through December 7, 2022, for coverage beginning January 1, 2023. 
• ObamaCare's Open Enrollment period for 2023 health plans starts November 1, 2022, and ends December 15, 2022, in most states, for coverage beginning January 1, 2023.
• ObamaCare: States that use their own marketplaces and enrollment platforms can establish different end dates for the annual enrollment period, as long as they conclude on or after December 15, 2021.

• NOTE: The deadlines below are the expected state-specific deadlines for 2023. The state-specific 2023 deadlines for health insurance listed below are either permanent or in place for this year only. We will update these deadlines if and when there are changes. However, you should confirm dates with your state’s website as they are subject to further changes during the year.

  • California: October 15, 2022 through January 31, 2023. This a permanent extension.
  • Colorado: November 1, 2022 through January 15, 2023. This a permanent extension.
  • Connecticut: November 1, 2022, through January 15, 2023.
  • Idaho: November 1, 2022, through December 31, 2022.
  • Massachusetts: November 1, 2022, through January 23, 2023. This is a permanent extension.
  • Minnesota: November 1, 2022, through December 22, 2022.
  • Nevada: November 1, 2022, through January 15, 2023.
  • New Jersey: November 1, 2022, through January 31, 2023.
  • New York: November 1, 2022, through January 31, 2023.
  • Pennsylvania: November 1, 2022, through January 15, 2023.
  • Rhode Island: October 15, 2022, through December 31, 2023.
  • Washington DC: November 1, 2022, through January 31, 2023. This is a permanent extension.

  Other states may be subject to extension in 2022 as well. States with state-run exchanges can issue last-minute extensions, and the federal government can issue an extension for all states using the federal marketplace as well.

Why Purchase Life Insurance?

 

We’ve all heard about the importance of having life insurance, but is it really necessary? Usually, the answer is “yes,” but it depends on your specific situation. If you have a family who relies on your income, then it is imperative to have life insurance protection. If you’re single and have no major assets to protect, then you may not need coverage.

What Is the Difference Between an HMO and a PPO?

 

Selecting health insurance is often one of the most important decisions you will make. Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are types of managed healthcare plans and can cost much less than comprehensive individual policies.

Did You Know Medicaid May Pay You as a Family Caregiver?

 Each day, millions of parents, children, siblings, and spouses selflessly sacrifice their time and energy to care for family members affected by illness, injury, or disability. Their efforts help meet numerous social, financial, nursing, and everyday personal care needs such as help with bathing, feeding, and driving to appointments. More than half (58%) of family caregivers have intensive caregiving responsibilities.1

If you are a regular caregiver of a loved one, you know it can exact an emotional and physical toll. It can be financially draining, too. However, in some cases, Medicaid may offer financial relief.

Last chance: 2022 Open Enrollment ends in 2 days

You have 2 days left to get health insurance this year. Open Enrollment for 2022 Marketplace health plans ends January 15. Act now to enroll in, or change health coverage that meets your needs and budget. Coverage starts February 1.

Read more -Healthcare.gov blog 

You can apply for 2022 Marketplace health insurance right now

Open Enrollment ends January 15, 2022.  You can apply for the first time, update, or change your plan for 2022.  Continue reading about Marketplace coverage and Coronavirus ...

Read more - HealthCare.gov (7-minute read)

Balancing Medicare and Work-Based Insurance

 The number of working Americans age 65 and older dropped by 1.1 million during the first three months of the pandemic and has been slower to recover than other age groups. Even so, more than 10.8 million workers are eligible for Medicare, and the number is likely to grow as 10,000 baby boomers turn 65 every day until 2030.1–2

Some employers — especially small businesses — may require employees or covered spouses to enroll in Medicare when they are eligible in order to retain their employer-sponsored health insurance. But many workers who are eligible for both types of coverage can choose one or the other, or both. To make an informed decision, it’s important to understand an array of rules and other considerations regarding costs and coverage.