General health insurance covers health care provided by doctors and hospitals in the United States. However, even the basics can be a lot to take in. Here are some of the most common questions when it comes to getting insured.
As of January 01, 2019, health insurance coverage is no longer mandatory on a federal level. However, some states have implemented their own state-level requirements such as New Jersey and Massachusettes.
There is a period of time each year during which you can sign up for and make changes to a health insurance plan called Open Enrollment. For 2020 coverage, Open Enrollment is from November 1st, 2019 until December 15th, 2019. Plans purchased during Open Enrollment become active on January 1st of the following year as long as you have paid your first premium.
If you qualify for Medicaid or CHIP (Children's Health Insurance Program) you can enroll any time during the year for immediate coverage.
Certain circumstances will qualify for something called Special Enrollment. If you qualify for Special Enrollment, you can apply for and make changes to your plan after certain life events such as getting married, having a baby, or losing your job. Please refer to healthcare.gov to see if you qualify for Special Enrollment.