Health insurance helps pay your medical bills when you seek medical care. Your
insurance policy outlines what your plan covers and how you share costs with
the insurance company.
For more about cost-sharing and what your plan covers, read our Consumer Guide
to Health Insurance: www.oregon.gov/DCBS/insurance/gethelp/Documents/4618.pdf
Enroll in Health Insurance from Nov. 1, 2015 through Jan. 31, 2016
Open enrollment begins Nov. 1, 2015 and goes through Jan. 31, 2016. It is the time of the year to change plans and, for those who do not have insurance, to buy a plan and avoid a potential penalty on 2016 taxes. You need to apply by Dec. 15, 2015, if you want to ensure you have coverage on Jan. 1, 2016. Most consumers who already have insurance through HealthCare.gov or directly through an insurance company will be re-enrolled in their same plan if they do not act by Dec. 15, 2015.
Financial help is available for many people if they enroll through HealthCare.gov. Depending on their income, they may qualify for tax credits to help pay their monthly premium and assistance with out-of-pocket costs such as deductibles and co-pays. Of the approximately 107,000 Oregonians who enrolled through HealthCare.gov for 2015, more than 77,000 received a premium tax credit averaging $199 per month.
Oregon has a network of insurance agents and community organizations ready to help people enroll. You can find an agent or community partner in your area by going to http://www.oregonhealthcare.gov/get-help.html or calling the Oregon Health Insurance Marketplace at 1-855-268-3767 (toll-free).
You can enroll at other times if you experience a "triggering event." Examples include loss of comprehensive coverage, getting married, having or adopting a child, newly gaining citizenship, moving, and a change in income that makes you eligible for financial help.
People who are eligible for Medicaid (Oregon Health Plan) can apply at any
Ask your human resources staff when your open enrollment occurs at work.