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Open Enrollment: November 1 – January 15

Health care should be simple, supportive, and within reach for everyone. From November 1 to January 15, the Affordable Care Act (ACA) gives uninsured or underinsured people the opportunity to get low-cost health insurance. Learn how it can work for you and your health care needs right here.

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Get the coverage you deserve

Open enrollment is your chance to take control of your health care. Here are a few ways to get started:

  • American Exchange or Pride Health: Both organizations are dedicated to helping people through open enrollment. Their teams offers expert guidance to help you find a plan that fits your needs.
  • Healthcare.gov: Enroll directly through Healthcare.gov, the official marketplace for health insurance plans. The site makes it easy to explore options, compare coverage, and see which plans include PrEP.
  • Need a hand? If you have questions or would like one-on-one support, fill out the form below. We’ll help you find the right coverage and make the process simple and stress-free.

Getting covered during open enrollment has never been easier.

Key dates to know

  • November 1: Open enrollment begins. You can enroll, re-enroll, or make changes to your plan.
  • December 15: Last day to enroll in or change plans for coverage that starts January 1.
  • January 1: Most plans begin coverage, and you can start accessing care.
  • January 15: Open enrollment ends at midnight. After this date, only special circumstances such as losing coverage, a change in income, or getting married qualify you for a Special Enrollment Period.
  • February 1: If you enroll after December 15, your coverage will start February 1.

Make sure PrEP is covered

When you’re reviewing plans on Healthcare.gov, take a moment to check the details for each one.

  • Look through the list of covered prescriptions.
  • Search for Truvada, Descovy, or Apretude, depending on the type of PrEP that’s right for you.
    • Keep in mind that your copays for any of the above PrEP medications will be zero if you sign up for an ACA plan.

Keep in mind, Q Care Plus currently offers oral PrEP only. 

Make Sure PrEP is on the List

When enrolling in insurance at Healthcare.gov, there is detailed information available for each plan.

Before selecting a plan, review the details and covered medications. Make sure the medications you need are covered within your chosen plan.

If you’re hoping to get PrEP with your new plan, make sure the PrEP you need is on the list. Search for “Truvada” or “Descovy” or “Apretude” depending on what type of PrEP you need.

Keep in mind that Q Care Plus only offers oral PrEP at this time.

FAQs

Premiums vary by state, county, income and smoking status.  When you enroll through the Marketplace, you’ll see details about your premium and payment options before confirming your plan.

Yes. Q Care Plus partners with local nonprofits, American Exchange and Pride Health to help patients navigate open enrollment in select states: AL, AR, CA, DC, FL, GA, LA, MD, NC, OK, OR, PA, SC, TX, and VA.

Complete the form below and we’ll connect you with someone who can help guide you through the process.

Undocumented individuals aren’t eligible for Marketplace insurance unless they have a work visa or green card.

Off-Exchange coverage may offer more affordable health care options in select states if you do not qualify for a tax credit.

Almost anyone can sign up for coverage through the Health Insurance Marketplace. Eligibility for cost savings depends on your income and other ACA guidelines:

  • Below 100% of the Federal Poverty Level (FPL): You can enroll in a Marketplace plan but will pay the full price.
  • Between 100% and 400% of the FPL: You may qualify for savings through lower premiums, reduced deductibles, and smaller co-pays.

We're here for you

Everyone deserves access to affordable, affirming care. Whether you’re exploring your first plan or renewing your current one, Q Care Plus is here to help you every step of the way.

Complete the form below to get connected with our team and find the coverage that fits you best.