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Open Enrollment November 1st – January 15th for the Uninsured and Underinsured.

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Affordable Health Coverage is Available

From November 1 to January 15, the Affordable Care Act (ACA) offers uninsured or underinsured individuals a chance to secure low-cost or even free health insurance. Discover how it can work for you and your health care needs and what steps to take right here. 

Get the Coverage You Need Today!

If you’re interested in open enrollment, here are a few options to choose from:

  • Pride Life: You can choose to work with Pride Life, an organization dedicated to guiding you through the open enrollment process. They offer expertise and assistance to ensure you find the best plan to suit your needs.
  • Healthcare.gov: You can also enroll directly through Healthcare.gov, the official marketplace for health insurance plans. It’s a user-friendly platform that allows you to explore and compare different plans to find the best fit. Learn which insurance plans cover PrEP.
  • Still not sure? If you have any questions or need personalized assistance, reach out via the form below. We’re here to provide you with the support and guidance you need to make informed decisions about your healthcare coverage.

With these options, securing the right insurance coverage during open enrollment has never been easier.

Important Dates

Here are some important dates to keep in mind when considering open enrollment.

  • November 1: Open enrollment begins! You can enroll, re-enroll, or change your current health plan.
  • December 15: Last day to enroll in or change plans for coverage that starts January 1.
  • January 1: Coverage for most plans starts, and you can begin accessing care.
  • January 15: Open enrollment ends at the end of the day. This is the last day you can enroll in or change plans for the entire year. After January 15, only special cases (loss of coverage, income change, or marriage as the choices) will be considered as reasons to enroll or re-enroll in coverage.
  • February 1: For anyone signing up for coverage after Dec. 15th, coverage will start February 1st

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 state by state, county by county, and depending on your income. However, when you enroll through the Health Insurance Marketplace, there should be more information on your premium payments.

If you currently get insurance through ACA benefits, this is for you! If you have had a

  • Change in address
  • Change in smoking status
  • Change in your name

You will need to update your information in the Health Insurance Marketplace. If none of this has changed and you are satisfied with your current benefits, your plan will automatically roll over to 2024.

Although Healthcare.gov’s ACA enrollment is typically user friendly, there is assistance available through Q Care Plus in some states. 

We partner with local non-profits and with Pride Life to help patients navigate open enrollment in select states (AL, AR, CA, DC, FL, GA, LA, MD, NC, OK, OR, PA, SC, TX, VA) to navigate open enrollment. Complete the below form for more information

Undocumented folks cannot access care through the Healthcare Marketplace unless they have a work visa or green card. However,  Off Exchange coverage is a more affordable health care option for undocumented folks and is accessible in select states.

 

In a nutshell, almost anyone can sign up for insurance through the Health Insurance Marketplace. However, not everyone will get tax credits, deductible assistance, or co-pay assistance if they sign up. This is because of specific ACA requirements. Anyone who falls below 100% FPL can sign up for a marketplace plan, however you will pay full price.

Anyone who falls between 100 percent to 400 percent of the Federal Poverty Level will be eligible for cost savings through premium reductions and deductible reductions, as well as co-pay amount depending on income. 

If you are in a state that did not expand Medicaid in 2023, unfortunately, anyone who falls below 100 percent of the Federal Poverty Level will receive less financial assistance through open enrollment. 

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