From now until August, you can sign up for or change coverage through the federal and state health insurance marketplaces. Many people are eligible for better or less expensive plans — or both.
health insurance market
Whether you're looking for coverage online or through a broker, be sure to note the difference between a comprehensive health plan and a "junk" plan with limited benefits and coverage restrictions.
Anyone with lingering effects of COVID-19 should be extra careful in picking a 2021 health plan, specialists say. You now have a "pre-existing condition" that could increase medical expenses in 2021.
Some state exchanges have begun allowing new enrollment to help ease consumers' worry about health care costs. It's also so the uninsured won't inadvertently spread the coronavirus by avoiding care.
The case centers on $12 billion in payments the federal government pledged to insurers to defray their losses in the first years of the health law. Did rescinding those payments send premiums soaring?
The pace of enrollment in Affordable Care Act plans is slower than in past years. That could mean fewer people will have health coverage — or that more people are getting insurance via their work.
Throughout the U.S., subsidies are available to reduce the price of 2019 policies sold on state and federal insurance exchanges. But promotion of the insurance is varying widely from state to state.
In signs the health care market may be maturing, an analysis of insurance filings shows premiums will rise less than 4 percent on average and companies plan to market more policies in more places.