It’s fall again, meaning shorter days, cooler temperatures, and open enrollment for Affordable Care Act marketplace insurance — sign-ups begin this week for coverage that starts Jan. 1, 2023. Even though much of the coverage stays the same from year to year, there are a few upcoming changes that consumers should note this fall, especially if they are having trouble buying expensive policies through their employer.
In the past year, the Biden administration and Congress have taken steps — mainly related to premiums and subsidies — that will affect 2023 coverage. Meanwhile, confusion caused by court decisions may trigger questions about coverage for preventive care or for abortion services.
Open enrollment for people who buy health insurance through the marketplaces begins Nov. 1 and, in most states, lasts through Jan. 15. To get coverage that begins Jan. 1, enrollment usually must occur by Dec. 15.
Many people who get coverage through their jobs also must select a plan at this time of year. And their decisions could be affected by new ACA rules.
So, what’s new, and what should you know if you’re shopping? Here are five things to keep in mind.
1. Some Families Who Did Not Qualify for ACA Subsidies Now …