Enroll during Open Enrollment
Open Enrollment is the time of year when anyone can sign up for a health insurance plan or switch plans. In most states, it starts November 1 and finishes up December 15. You’ll also renew your plan every year during this time period. You can evaluate if you want to stay on the plan you have or make a change. During other times of the year, you can only sign up if you’ve recently lost coverage from a job or had another kind of "qualifying life event."
Where to sign up
If you're interested in Oscar, the easiest way to sign up is right here. Start by getting a quote, tell us a little about your health to see which plans we recommend (don’t worry, nothing you say there will impact your price), and follow the enrollment prompts. It takes about five minutes if you don’t qualify for financial assistance and a few more (well worth it) minutes if you do. If you’re qualified for Advance Premium Tax Credits, you’ll finish the enrollment process on the government marketplace website for your state, which might be New York State of Health, Covered California, or HealthCare.gov. You can also apply directly through these marketplaces to see all the plans from all the insurers in your area.
How to sign up
Having the right information at your fingertips during the enrollment process will help things go smoothly once you start your application. Gather the following information for yourself and any family members who are going to be on your health plan:
- Full legal name.
- Date of birth.
- Social Security number.
- Immigration information like visa or green card numbers, if applicable.
- Employment information including the amount each person in your household expects to earn in the upcoming year, employers' names, addresses, and phone numbers. A copy of your most recent tax return is a good place to find a lot of this information.
When estimating your income, keep in mind that you can update your application during the year if you’re earning more or less than you originally expected. Give your best estimate at the time you apply and check in quarterly if your income is unpredictable.
After you complete your application, you’ll see a confirmation screen that confirms your effective date. This is the date your coverage begins. You don’t owe a payment when you sign up, but you’ll have to pay your first bill in order for your coverage to start on your effective date. If you don’t pay within 10 days of your effective date, your enrollment could be canceled.
You can choose dental or vision insurance separately. You can enroll directly with those insurers or add them on to your application through the marketplace. Keep in mind that you can sign up for dental and vision insurance anytime during the year.
Ready to go? It all starts with getting a free personalized quote or give us a call and talk to a licensed plan guide at 855-672-2788.