If you haven’t heard that open enrollment starts November 1, 2018, for 2019 Affordable Care Act coverage, you’re not alone. Depending on what state you live in, advertising budgets for ACA health insurance coverage will either be plump or limited.
States with leaders who do not support the ACA’s existence have slashed the advertising budget for ACA open enrollment. States with support for the ACA will try to get the open enrollment news out as much as possible. The more people who buy into health coverage, the lower the premiums can go. If fewer people enroll, then premiums usually rise.
NPR interviewed a director from Covered California who pointed out there is subsidy help almost everywhere to help people afford coverage premiums. If you don’t check on premium pricing or if subsidies are available, you’ll never know.
Don’t be fooled by catastrophic or short-term plans, they will have low premiums but barely provide coverage. You pay a lot more on the backend should you get sick or have an emergency health issue occur. ‘
Open enrollment on healthcare.gov starts Nov 1 and goes to December 15, 2018.
To learn more about open enrollment, definitely check out this NPR article at https://www.npr.org/sections/health-shots/2018/10/31/662186774/looking-for-aca-health-insurance-for-2019-heres-what-to-expect.