Open enrollment began the middle of last month. It lasts until the middle of February.
But, if you want coverage by January 1st, you need to find a policy by December 15th.
Matthew Leonard with Blue Cross-Blue Shield of Nebraska says the federal health insurance law caused quite a bit of confusion last year.
“With that last minute Supreme Court ruling we saw a lot of folks wondering whether or not the health care reform, the ACA Act, actually was still in effect,” Leonard “This year, people are pretty knowledgeable in the fact that they know it still applies.”
You can enroll through Healthcare.gov or, this year, directly through an insurance company you prefer.
Leonard advises asking a lot of questions to get the health coverage you want.
“It’s better to have a question and get an answer than to worry about not doing the right thing,” Leonard advises.
The tax penalty for not getting health insurance coverage has gone up. If you don’t have coverage next year, the federal government will assess a penalty of 2% of your income or $325 per adult, whichever is higher. The penalty for children not being covered is $162.50 per child.
Healthcare.gov also has information about any tax credits for which you might be eligible.
AUDIO: Brent Martin reports [:50]