INDIANAPOLIS — The Indiana Department of Insurance reminds Hoosiers that open enrollment for 2020 Affordable Care Act (ACA) plans will begin on Friday, Nov. 1, until Sunday, Dec. 15. In order to have an ACA Marketplace or Off-Marketplace plan for 2020, you must enroll in a plan and pay the first month’s premium by December 15.
Those who currently have an ACA plan or need one in 2020 should take the time to shop for plans. If you already have coverage through a Marketplace plan, review your information to make sure your application is accurate. You can update your application with any income and/or household changes. You might qualify for a different amount of help with costs, or find a different plan that costs less or better meets your needs.
If your plan is no longer available in 2020, you should receive a notice from your insurer and from the Marketplace. Even if your plan is continuing, it pays to shop and check whether the doctors or hospitals your family uses are in the plan networks.
If you are looking for a new plan, there are four categories of health insurance plans to choose from on the Marketplace (Bronze, Silver, Gold and Platinum). They’re broken up by how costs are shared between you and your insurer. A fifth category, Catastrophic, is available for consumers under 30 years of age or who face a hardship in accessing the other plans. To learn more about the different plans and network types, visit www.healthcare.gov/choose-a-plan/plan-types/.
If you have questions about the 2020 open enrollment, email compliance@idoi.IN.gov or contact a certified Indiana navigator for enrollment assistance. You can search for a Navigator in your area at www.in.gov/healthcarereform/2468.htm.