Information on the Affordable Care Act (sometimes referred to as Obamacare) is available at HealthCare.gov.
The Affordable Care Act requires individuals to have health insurance. It also requires insurers to sell insurance even to sick individuals, that is, no pre-existing condition exclusions.
If you do not have health insurance, you will want to shop for it. Please keep in mind the following key dates:
- November 15, 2014. Open Enrollment begins. Apply for, keep, or change your coverage.
- December 15, 2014. Enroll by the 15th if you want new coverage that begins on January 1, 2015. If your plan is changing or you want to change plans, enroll by the 15th to avoid a lapse in coverage.
- December 31, 2014. Coverage ends for 2014 plans. Coverage for 2015 plans can start as soon as January 1st.
- February 15, 2015. This is the last day you can apply for 2015 coverage before the end of Open Enrollment.
- All year:
- Healthy Michigan (Medicaid) enrollment is continuous; you can enroll at any time.
- Someone who has a qualifying life event (such as the birth of a baby or marriage or ending of an insurance policy) can enroll in a Marketplace plan, or change plans, even when open enrollment is closed.
You may find that you qualify for assistance (subsidy or cost sharing) that will reduce the cost of your plan on the Marketplace. Whether you are eligible for a subsidy depends on your income.
Help is available!
The U-M Health System Certified Application Counselors are trained to assist with questions about enrollment in a private or Medicaid plan. For assistance, call 877-326-9155 (9am - 8pm Monday - Friday) or email PFC-Counselors@med.umich.edu.
What to do for the open enrollment period:
Start by making a list of things that will be important in your coverage decision, for example:
Know how your current health insurance plan (if any) works, whether it will continue, and when it will renew.
Know about your health insurance coverage in the Ann Arbor area.
For Ann Arbor students, know what your U-M student fees cover: For currently enrolled U-M students (that is, taking regular classes on the Ann Arbor campus), most costs at UHS are covered by your health service fee, paid as part of tuition. Insurance helps to pay for other costs. See How UHS works with Health Insurance.
Visit HealthCare.gov, click on Individuals and Families, answer a few quick questions and you'll get:
- A list of coverage options
- Answers that will help you make good decisions
- A personalized checklist to help you get ready to apply
- Access to a call center and chat for help
Some states have opted for the federal government to run their Marketplace, while other states are running their own. HealthCare.gov will link you to your state's Health Insurance Marketplace.
U-M Domestic Student Health Insurance Plan (DSHIP): Individuals not eligible for subsidies on the Marketplace or expanded Medicaid will want to consider this plan. Purchase deadline is January 31, 2015 for winter semester. Only U-M offers this plan, and it was developed to meet student needs. It is an annual plan and is not refundable once purchased. Its benefits are comparable to a “gold” plan on the Health Insurance Marketplace. This plan is available for purchase only during the U-M DSHIP open enrollment periods, with exceptions for qualifying life events. Please note student health insurance plans are not listed on the Marketplaces.
For more information: