The second round of open enrollment for Obamacare begins today, allowing those who didn't obtain health insurance last year the opportunity to get covered. If you are one of those individuals who didn't get health insurance during the first open enrollment, or if you are like me and want to search for new options, you have until February 15, 2015 to make your decision.What is the open enrollment period?
This is the only time of the year most individuals are allowed to purchase insurance. That period begins on November 15, 2014 and ends on February 15, 2015.What website do I need to go to?
It depends. Healthcare.gov
is a good start for everyone. You will be asked to enter what state you live in before being able to move forward. If you live in a state that uses the Federal Marketplace then you will stay on Healthcare.gov
. If you live in a state that operates their own exchange then you will be given a link to access your state based exchange.
Colorado is an example of a state that operates their own exchange. So if you live in Colorado and visit Healthcare.gov
you will be directed to a page that gives you a link to access Colorado's Connect For Health
Note--Colorado is just an example. You can check whether your state is on the Federal or State-Run exchange HERE
.When will my coverage start?
Your coverage will start on January 1, 2015 if you complete your enrollment by December 15, 2014. You will need to get confirmation of your start date from your insurance carrier if you purchase health insurance after that date.What if I already have health insurance through the marketplace?
You should have already received a packet from your insurance carrier explaining your rates for 2015. If you are not happy with those rates then you can shop for a plan that better suits you. It is important to remember to notify your current carrier if you decide to purchase another plan. That way you will not be charged for two separate plans.