Here are some things you need to know.
The site will shut down periodically: This is why I said be persistent. During open enrollment, the Trump Administration plans to shut down the website for registration for 12 hours nearly every Sunday. Don't give up. They're trying to discourage you from enrolling. Don't let them win.
Enroll at healthcare.gov: Here's the URL to enroll for insurance or change your plan.
If you lose your job: Once you lose insurance because you lost your job, you don't need to be in the open enrollment period. You'll have a special enrollment period that gives you an opportunity to get coverage other than COBRA if you want it.
Subsidies not cut for everyone: Even though the Trump Administration cut the subsidies available, causing many premiums to skyrocket, subsidies are still available for some, but only during open enrollment. If your income is 100% to 250% of the federal poverty level, you still get subsidies. Those income levels for 2018 are:
- $12,060 to $30,150 for an individual
- $24,600 to $61,500 for a family of four
Open enrollment is cut in half: Last year, open enrollment was 3 months. This year, it's only 6 weeks. Don't wait.
It hasn't been repealed: Although surveys show 10% of Americans already think the Affordable Care Act was repealed, it wasn't. Yet. However, 3.5 million more people are uninsured since Trump took over.
Help is available: To get free help, call 1-800-318-2596, or go to http://localhelp.healthcare.govor https://connector.getcoveredamerica.org. There's a Facebook page. A list of state working groups for signup is here. FAQs here. ACA signup project is here. Get America Covered is here. A toolkit to organize an open enrollment assistance group is here.
Just be aware that President Trump is doing everything he can to keep you from being insured. Fight to keep your healthcare. It's a matter of life and death.