When Can I Enroll in 2023 Health Insurance Marketplace?
Health Insurance | 01 Nov 2022
The Open Enrollment Period to enroll in health insurance coverage through the Marketplace is from November 1, 2022 — January 15, 2023. Cover Kansas, a free service to all Kansans, can help you find and enroll in a plan that’s right for you.
The Open Enrollment Period to enroll in health insurance coverage through the Marketplace is from November 1, 2022 — January 15, 2023. During this time you can enroll in a health plan from an insurer that has a rate, benefits, and premiums that best fit your needs.
If you miss the Open Enrollment Period for qualifying for insurance in 2023, you may still be able to get Marketplace health coverage for 2023 if you qualify for a Special Enrollment Period. However, November 1 — January 15 is the best time to enroll for the coming year.
2023 Health Insurance Marketplace Open Enrollment
The federal government operates the Health Insurance Marketplace®, available at HealthCare.gov, which is a service that helps people shop for and enroll in health insurance. Starting November 1, 2022, open enrollment will begin. The deadline to submit your application is January 15, 2023.
The Health Insurance Marketplace (also known as the “Marketplace” or “exchange”) provides health plan shopping and enrollment services through websites, call centers, and in-person help. You can shop for a plan that has the right rate and benefits to meet your needs and submit an application. You can enroll in a dental plan and other essential coverage options through the Marketplace as well.
When you apply for individual and family coverage through the Health Insurance Marketplace, you’ll provide income and household information. You’ll find out if you qualify for:
Premium tax credits and other savings that make insurance more affordable.
Coverage through the Medicaid and Children’s Health Insurance Program (CHIP).
On HealthCare.gov, you may be asked to select your state or enter your ZIP code. If you live outside of Kansas in a state that runs its own Marketplace, the site will send you to your state’s Marketplace website. If you need help with the website or have questions about how to enroll, Cover Kansas is a statewide network of Health Navigators here to help you 100% free of cost. Cover Kansas helps make it easy.
2023 Open Enrollment Dates
If you need 2023 health coverage, here are some important dates to mark on your calendar:
Open Enrollment starts Tuesday, November 1, 2022.
Enroll by Thursday, December 15, 2022 for coverage that starts January 1, 2023.
Open Enrollment ends Sunday, January 15, 2023.
Changes in 2023 Health Insurance Marketplace
The average monthly premium for the benchmark silver plan in 2023 will rise by 4%, KanCare has launched a new virtual assistant for Medicaid patients under the Public Health Emergency, and other changes.
End of Public Health Emergency
The U.S. Department of Health and Human Services (HHS) must renew the federal public health emergency (PHE) related to COVID-19 every 90 days to maintain certain healthcare flexibilities and waivers. The PHE has been in place since January 27, 2020, and renewed throughout the pandemic. The latest HHS extension for the PHE is effective through January 11, 2023.
In a letter to the state Governors, the Administration has indicated they will give at least a 60-day notice before the PHE ends.
It is imperative for Medicaid patients of KanCare to ensure your contact information (and your household members’ information) is up to date with your current address, email, and phone number. The Kansas Department of Health & Environment (KDHE) has implemented a new virtual agent, the Kansas Integrated Eligibility Reporting Assistant, or KIERA, to assist consumers with updating case information outside of the Self-Service Portal and Clearinghouse processes. KIERA updates a household’s address for all individuals, as well as the home phone number, and mobile number for the Primary Applicant only.
Be sure to visit kancare.ks.gov and click the orange chat bubble to update your information so you can be alerted when the PHE comes to an end and requires action.
Affordable Care Act (ACA) Marketplace Premiums
Affordable Care Act (ACA) marketplace premiums will increase by five to ten percent in 2023, with payers attributing premium growth to rising healthcare prices and utilization rates, according to preliminary data from the Kaiser Family Foundation (KFF).
The Peterson-KFF Health System Tracker reflects preliminary rate filing data from 72 insurers across 13 states and the District of Columbia. Payers will finalize their rates in late summer.
The median proposed premium increase across the plans was ten percent, researchers found. Most insurers (68 insurers) requested premium increases, while only four insurers requested to lower their premiums for 2023.
Medicare Part D Premiums
The premium for Medicare Part D to drop in 2023CMS anticipates releasing the 2023 premium and cost-sharing information for 2023 Medicare Advantage and Part D plans in September.
The basic monthly premium for standard Medicare Part D coverage is decreasing in 2023, the Centers for Medicare and Medicaid Services announced today.
The average premium for drug coverage will be approximately $31.50 in 2023, down 1.8% from $32.08 in 2022.
CMS releases the projected average basic monthly Part D premium – calculated based on plan bids submitted to CMS – annually to help beneficiaries understand overall Part D premium trends before Medicare open enrollment.
Medicare open enrollment for coverage beginning January 1, 2023, will run from October 15 to December 7.
CMS anticipates releasing the 2023 premium and cost-sharing information for 2023 Medicare Advantage and Part D plans in September 2022.
CMS is also releasing additional information for Medicare Advantage Organizations and drug plan sponsors such as the Part D national average monthly bid amount, the Part D regional low-income premium subsidy amounts, the de minimis amount, the Medicare Advantage employer group waiver plan regional payment rates and the Medicare Advantage regional preferred provider organization benchmarks.
How to Enroll for Health Insurance Marketplace
See what Marketplace plans cover, including treatment for pre-existing medical conditions and other essential health benefits. There are 128 total plans available for 2022. See the 2023 Kansas Insurance Plans Brief (PDF).
STEP 1: Create a Marketplace Account
Create an account on the Health Insurance Marketplace. You will be prompted to enter some basic information, like your name, address, and email address to start.
If you have questions or need help during any of these enrollment processes, speak with a Certified Health Navigator for FREE online or by phone at (866) 826-8375.
You will need to have answers to questions in order to complete the application process. Below you will find a checklist that will help you during this process.
Your Marketplace application will ask you for some basic information, including your name and date of birth.
Your Marketplace application will ask you about each person in your household, even those not applying for coverage. For the Marketplace, your household usually includes the tax filers and their tax dependents, but there are exceptions. Sometimes it includes people you live with who aren’t in your tax household. Include yourself on your application. As you fill out your application, you may be asked questions about the following people:
Your children who live with you, even if they make enough money to file a tax return themselves
Anyone you include on your tax return as a dependent, even if they don’t live with you
Anyone else under 21 who you take care of and who lives with you
Your unmarried partner, only if one or both of these apply:
They’re your dependent for tax purposes
They’re the parent of your child
Where you live can affect what health coverage you’re eligible for. You’ll enter your home address to show if you’re a resident of the state where you’re looking for coverage. You’ll select your state at the beginning of the application. You’ll be asked for your mailing address. This is usually the same as your home address. If it’s not, provide a mailing address in the state you live in. If anyone on your application has a different home or mailing address, you’ll need to have it also.
Your Marketplace application will ask you for some basic information about everyone applying for coverage, including their relationship to you.
Now that you have a list of questions you will need to answer, look through our list of things you will need in order to complete the health insurance application. This part of the application can often get confusing. We are here to ease any frustrations and help you through ever detail in the application steps.
Social Security Numbers (SSNs) for everyone on your application
Information about the professional helping you apply, if any (Includes navigators)
Immigration document information (this only applies to lawfully present immigrants)
Information about how you plan to file taxes (married, jointly, single…)
Employer and income information for everyone in your household
Best estimate of your household income.
Current health coverage information
Employer information for each person in your household
Completed “Employer Coverage Tool” (Only applies to household members that are eligible for coverage through their employer
Health Reimbursement Arrangement or HRA (Only applies to household members that are offered an HRA through their employer) Increasing Space and Distance Small particles that people breathe out can contain virus particles. The closer you are to a greater number of people, the more likely you are to be exposed to the virus that causes COVID-19. To avoid this possible exposure, you may want to avoid crowded areas, or keep distance between yourself and others. These actions also protect people who are at high risk for getting very sick from COVID-19 in settings where there are multiple risks for exposure.
STEP 3: Submitting Your Application
When you submit your application you will find out if you qualify for a Marketplace health insurance plan with savings, like tax credits to help pay monthly premiums, or lower copayments, coinsurance, and deductibles. Free or low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP) eligibility results will be available right away.
STEP 4: Enrolling in Health Coverage
After submitting your application it will be time to compare health plans and prices available and enroll in the one that best meets your needs. You can view more information about comparing health plans and other important information in the links below.