Answers to Common Open Enrollment Questions

When is Open Enrollment?
Open Enrollment runs from November 1 to December 15, 2017.

How do I enroll?
There are three ways to enroll:
1) In-person with one of our local navigators. Schedule an appointment

If you are unable to visit a navigator in person, you have two other options:
2) Internet: Visit www.healthcare.gov
3) Marketplace Call Center: 1-800-318- 2596

Note: Healthcare.gov will be unavailable most Sundays from midnight until 12 noon during Open Enrollment.

How much do plans cost?
The cost of the plan depends on your age, where you live and your income. You can shop now to get an estimate by going to https://www.healthcare.gov/see-plans/

Can I get help paying for insurance?
Generally yes, more than 90% of Floridians receive help. You can use this tool for an estimate of how much help you may receive. Subsidy Calculator Tool

Note: lawfully present immigrants residing in the U.S. for less than 5 years who are denied Medicaid based on immigration status may qualify for financial help with lower incomes.

What information do I need for the application?
You’ll need to have the names, birthdates and social security/ITN numbers of all the people in your household, even the ones who do not need health insurance. You’ll also need as estimate of your income which is found on your latest tax return and/or recent pay stubs. If you were not born in the U.S., we strongly encourage you to bring a copy of your U.S. Passport, a Permanent Resident Card or other documents that demonstrate your immigration status. If someone in your household has health insurance from an employer, you’ll need the employer’s name, address and phone number.

What if I have no income, where do I get help?
In Central Florida, we have many clinics that provide care to those without insurance. The list is found here: PCAN Marketplace Navigator Brochure – English.

We recommend that you call the Marketplace Call Center to fill out an exemption from the tax penalty (1-800-318-2596). When you fill out the application, you are automatically applying for Medicaid as well.

What is the penalty for not having health insurance?
If you don’t have coverage and it was affordable by government standards, you may have to pay a penalty when you submit your tax return.

$695 per Adult or 2.5% of your income
$347.40 per Child

To find out if you’ll owe the penalty or the amount, you can use this tool: Penalty Estimate