Affordable Care Act

Affordable Care Act

Health Insurance Marketplace for 2015 - Important Dates

November 15, 2014 Open enrollment for 2015 starts.
December 31, 2014 All Marketplace coverage for 2014 ends. It doesn't matter when you enrolled; coverage for 2014 ends on the last day of 2014.
January 1, 2015 Coverage for 2015 can begin but only if you enrolled by December 15, 2014.
February 15, 2015 Open enrollment ends.

If you enroll

  • Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
  • Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on January 16, your coverage starts on March 1.
  • Between February 1, 2015 and the deadline of February 15, 2015, your 2015 coverage begins March 1, 2015.

Find Help Near You

  • Events scheduled through February 13th
  • Search for a certified Covered California agent or counselor by zip code.
  • Call Covered California by phone at (800)300-1506 (for English). For assistance in other languages, scroll down to the bottom of this page and look for "Other Languages."
  • California is one of many states served by the federal health insurance marketplace. Other states may have different options.

Other health insurance options

Review, change or renew your current Marketplace plan

General information about the federal Marketplace, Covered California, and Medi-Cal

Interactive sites to determine your needs

  • Plan ahead by using this healthcare.gov site and identifying your insurance options.
  • Use the Covered California Shop and Compare tool to estimate your monthly costs.

Self-employed individuals and small businesses

The Small Business Administration has put together a glossary of health care reform terms to help you understand the new laws.

IRS and tax issues

The IRS will play a role in the Affordable Care Act,  affecting itemized medical deductions, W-2 reporting, and other tax-related topics.

Open enrollment assistance

The clinics and organizations listed below will help you to enroll in an insurance program.

Medicare

"Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD."

Source: Medicare.gov

Medicaid

Medicaid is a "state-administered health insurance program for low-income families and children, pregnant women, the elderly, people with disabilities, and in some states, other adults. The Federal government provides a portion of the funding for Medicaid and sets guidelines for the program. States also have choices in how they design their program, so Medicaid varies state by state and may have a different name in your state."

Source: Healthcare.gov

Pre-existing conditions

A pre-existing condition is defined as “a health problem you had before the date that new health coverage starts.” Source: Healthcare.gov

  • The federal Pre-existing Condition Insurance Plan (PCIP) ended on April 30, 2014. For more information on pre-existing conditions under the federal Marketplace go to this page.

The law itself

Signed into law on March 23, 2010, the Patient Protection and Affordable Care Act (PPACA) went into effect on October 1, 2013. The PPACA is commonly referred to as Obamacare.

Other language resources

  • Healthcare.gov. Choose from Cantonese, French, French Creole, Russian, Gujarati, Hindi, Korean, Polish, Portuguese, Spanish, Tagalog, Vietnamese, and German.

Contact information

Federal

Healthcare.gov Help Center
1-800-318-2596. Available 24 / 7
For small businesses: 1-800-706-7893. Available 9-5pm (EST)

State

Covered California

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