DEADLINE TO RENEW YOUR ACA FOR 2019 COVERAGE

The first day coverage begins is often called the effective date. Most states’ Open Enrollment deadlines (December 15) match up with an effective date of January 1. This means that, as long as you enroll by the final deadline, your 2019 coverage will begin on the first day of the year.

What If You Miss the Open Enrollment 2019 Deadline?

If you miss the 2019 Open Enrollment Period and you do not qualify for a Special Enrollment Period (SEP), you will have to wait until Open Enrollment begins for 2020. You can qualify for an SEP if you have experienced a qualifying life event that prevented you from meeting the enrollment deadline. Qualifying life events can include:

• The loss of health insurance through a job or Medicare eligibility.
• Household changes such as marriage, divorce, a death in the family, or having a baby.

A change in your home address.