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It is not too late to get affordable healthcare insurance



January 28, 2021 – An executive order was signed for giving access to affordable healthcare for America’s uninsured through May 15th, 2021. This package of health care-related executive orders and other initiatives reopened the HealthCare.gov web-portal for a special, three-month enrollment period that started on February 15.
Americans without health insurance now have a second chance to get their state’s Health Insurance Marketplace options offered through the Federal Affordable Care Act marketplaces (Obamacare) well beyond the normal December cut-off or 60-day change of employment window.
This “grace period” (special enrollment period) is crucial because as of June 2020, an estimated 7.7 million workers lost their employer-sponsored health insurance due to the pandemic and the Health Insurance Marketplace is typically much more affordable than purchasing health insurance coverage under COBRA (Consolidated Omnibus Budget Reconciliation Act). Almost 30 million Americans were uninsured in 2019. The pandemic caused that number to grow past 31 million in 2020 and would likely to further increase without additional governmental assistance.
Here is what you need to do
Go to HealthCare.gov or your state-run marketplace and review your options. Make sure you are not eligible for Medicaid (HealthCare.gov has a calculator) or Medicare because you are likely ineligible for the Health Insurance Marketplace if you are eligible for either one.
Medicaid: A program that provides health coverage for low-income families and children, pregnant women, the elderly, and people with disabilities.
Medicare: A U.S. federal government health insurance program that subsidizes healthcare services for people age 65 or older, younger people who meet specific eligibility criteria, and individuals with certain diseases.
Do not understate your income
Based on your estimated household income an endowment will become available. If you estimate the income as being substantially less than you end up making for 2021 you will potentially have to pay back a significant sum of money once everything is reconciled come tax season. You could owe part or all the monthly subsidy you received.
Millions of Americans continue to face uncertainty in the aftermath of the COVID-19 pandemic. However, with this emergency Executive Order giving access to affordable healthcare being uninsured and then contracting the virus or any other medical issue no longer must add to their fears or potentially cause financial ruin.
Where to start
To find the marketplace in your state go to:
To enroll visit the Health Insurance Marketplace website go to:
The Help resources are available at:
You can also call the 1-800 number (available 24/7):
1-800-318-2696 or (TTY: 1-855-889-4325)
Read the following bulleting to compare 2021 Health Insurance Plans
If you need assistance with tax-related issues, please contact us by calling: