The 2018 Covered California Open-Enrollment dates are as follows:
November 1, 2017 is the start of open enrollment, and runs through January 31, 2018.
If you enroll between November 1 and December 15, you will have a January 1, start date for your new policy. If you enroll December 16 through January 15, your start date will be February 1. The last effective date will be March 1st. That is for individuals and families who enroll January 16 through the 31st.
The above dates are for anyone enrolling through the Covered California health insurance Exchange. This is the only way one can receive a subsidy or premium discount. If you enroll for example to Blue Shield, Kaiser or Anthem directly through one of their links, you will not receive the subsidy even if you qualify.
Subsidy or premium discounts are determined by your household income. Add up everyone in the house who receives a full time or part time income, including investment distributions.
If your household income is above $138% and 400% or below, you may receive a premium subsidy or discount. If you are 138% or below, you or your children may be placed on a MediCal health insurance plan.
Enroll outside of the Exchange:
If you are enrolling or changing plans outside of the Covered California health insurance exchange. In other words, you do not qualify for a subsidy or premium discount, then your open-enrollment is; November 1, through December 15, 2017. It is only 6 weeks long.
The benefit chart below will give you an idea of how the different plans (Bronze, Silver, Gold, Platinum) provide coverage.
Be sure to not only compare prices and coverages between companies, but also look at the networks of doctors and hospitals. You will find that not only do premiums change but also networks.
Your doctor, medical group or hospital may be “in-network” this year (2017) with your current plan / company, but may not be for 2018. Networks change from year to year. Call me and I can verify your doctors, specialists and hospitals for your 2018 plan.
If you qualify for a subsidy and wish to enroll in a Covered California health insurance plan, you can enroll over the phone with me, or I can send you a short paper enrollment form for your self and or your family members.
Call me anytime with help with enrollment. I will be working weekends during open enrollment.
Questions & Comments: