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
- If you are low income or disabled you may be eligible for Medi-Cal. You may apply for Medi-Cal year round. Find a Medi-Cal office in your county.
- Renewing Medi-Cal coverage under Covered California.
San Francisco residents who do not have coverage and need Medi-Cal can contact the local Medi-Cal Health Connections Office:1440 Harrison Street (between 10th Street and 11th)
San Francisco, CA 94103
Open Monday - Friday from 8:00 a.m. to 5:00 p.m.
Call (415) 863-9892 or toll free (855)-355-5757
Email them at SFMedi-Cal@sfgov.org
Apply online at https://www.mybenefitscalwin.org/
- If you are low income but are not eligible for Medi-Cal, you may qualify for the City’s Healthy San Francisco program or the City's Healthy Kids plan.
- If you need HIV care and will be covered by Medi-Cal or Covered California, review your HIV clinic options (PDF format).
- If you are not a California resident and do not have health insurance, you can find a health center near you.
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
Self-employed individuals and small businesses
- Questions and answers for the small business employer with 50 or less employees.
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.
- Find a certified Covered California agent or counselor in San Francisco or anywhere in California.
- Search for an enrollment center anywhere in the United States.
"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."
- If you have Medicare is there anything that needs to be done? Find out here.
- See how the new laws will affect your Medicare coverage. Your coverage may include other free services.
- More information about Medicare from California Healthcare Advocates, a non-profit organization. Visit their Health Insurance and Advocacy Program (HICAP)
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."
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.