Getting ready for 2014
If you are on your own to buy insurance (no employer coverage), you must have coverage that meets 2014 requirements.
- If you are already insured, your insurance company will send information about new plans it intends to offer. You can also contact a health insurance agent. Starting in October 2013, you can compare plans from multiple companies by shopping through Cover Oregon at www.coveroregon.com.
- If you are uninsured, you can visit Cover Oregon, contact an agent or contact a company directly.
- Many people who do not get coverage through an employer will qualify for financial help by buying insurance through Cover Oregon. Gather basic information about household income, such as your 2012 tax return if you filed one, or other income information.
- If you work, find out whether your employer will offer coverage in 2014 and whether the plan meets new requirements. If your company's plan doesn't comply, you will need to buy an individual plan to avoid a penalty.
- Individuals and families can sign up for insurance starting in October 2013 and continuing through March 31, 2014.
- For people who sign up between Oct. 1 and Dec. 15, 2013, coverage starts Jan. 1, 2014. For people who sign up after Dec. 15, 2013, coverage starts either the first day of the following month or the first day of the second following month, depending on when during a month a person signed up.
- In future years, open enrollment will occur between Oct. 15 and Dec. 7. During this time, you can change plans, change insurance companies, or stay with the plan you have.
- You may also be eligible to enroll at other times if you experience a "triggering event." Examples include: loss of minimum essential coverage, getting married, having or adopting a child, newly gaining citizenship, moving, and becoming newly eligible for tax credits.
- People who are eligible for Medicaid (Oregon Health Plan) can apply and enroll at any time.