Miss the Marketplace deadline? Here’s what you need to know

BCBSM enrollment blitz to help consumers avoid last minute health care sign-up blues

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Miss the Marketplace deadline? Here’s what you need to know

As of March 31, 2014, the health insurance Marketplace has closed. Many Michiganders took advantage of the Marketplace, and available subsidies, to find affordable coverage for themselves and their families.

If you did not participate in the Marketplace but still have questions about getting health insurance, there are a few things you need to know.

The next open enrollment period for coverage in 2015 starts Nov.15, 2014 and runs through Feb.15, 2015. If you currently don’t have coverage, and you’re not Medicaid eligible, the only way you can get coverage before open enrollment is if you have a qualifying life event. Visit Healthcare.gov for more information on what events may qualify.

You can also get coverage through Medicaid, but there are restrictions. If you are between the ages of 19-64, have an income at or below 133 percent of federal poverty level and don’t qualify for Medicare, you might be qualified for coverage under the Healthy Michigan Plan.

At the end of 2014, if you do not have health insurance, there could be a penalty of $95 per adult

Health Care Reform timeline for business


Expanding Authority to Bundle Payments
Improving Preventive Health Coverage
Increasing Medicaid Payments for Primary Care Doctors
Open Enrollment in the Health Insurance Marketplace Begins


January 2013
State Medicaid programs funded to expand free and low-cost preventive care for additional patients; bundled payments to physicians and providers kick in, beginning the shift away from fee-for-service payments.


August 2013
Gather personal information like current insurance and expected insurance needs along with household income.


September 2013
Only 1 month to go before open enrollment to purchase health insurance on an exchange (also known as a health insurance marketplace).


October 2013
Open enrollment through the health insurance exchanges begins and continues through March 31, 2014.


December 2013
December 15, 2013 is the final day to purchase health care coverage on an exchange for coverage that will be effective January 1, 2014.


Prohibiting Discrimination Due to Pre-Existing Conditions or Gender
Eliminating Annual Limits on Insurance Coverage
Ensuring Coverage for Individuals Participating in Clinical Trials
Making Care More Affordable
Increasing the Small Business Tax Credit
Increasing Access to Medicaid
Promoting Individual Responsibility


January 2014
Coverage begins under new insurance plans offered through exchanges. Insurance companies required to offer coverage regardless of pre-existing conditions or due to participation in clinical trials.


March 2014
March 31, 2014 is the final day for open enrollment through the health insurance exchanges.


Employer Shared Responsibility Payment Begins.



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