HEALTH INSURANCE
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Obamacare coverage & Coronavirus
If you already have coverage through the Marketplace, the rules in your Marketplace health plan for treatment for the coronavirus disease 2019 (COVID-19) emergency remain the same as any other viral infection, but your health insurance company may have added benefits.
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All Marketplace plans cover treatment for pre-existing medical conditions and can’t terminate coverage due to a change in health status, including diagnosis or treatment of COVID-19.
If my state is reopening
First, check with your doctor on whether it’s safe to resume in-person visits. While they’ll continue to use telehealth services when available and appropriate, they’ll offer more in-person health care services for non-emergency and non-COVID-19-related care.
To lower exposure risk, you may experience these changes during your visit:
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Waiting in your car until the start of the visit
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Using a limited entrance
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Being screened for COVID-19 by having your temperature checked
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Avoiding waiting rooms and areas
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Maintaining social distancing
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Wearing a face covering, which will be provided to you, if you don’t have your own
If I lost my job or experienced a reduction in hours
If you lost your job-based health plan: You may qualify for a Special Enrollment Period if you lost health coverage through your employer or the employer of a family member in the past 60 days OR you expect to lose coverage in the next 60 days, including if you lose health coverage through a parent or guardian because you're no longer a dependent. In addition, you may qualify for a Special Enrollment Period if you lost health coverage through your employer more than 60 days ago but since January 1, 2020, and were prevented from enrolling in health coverage due to the national emergency on COVID-19. Note: Since FEMA declared an emergency due to COVID-19, if you lost coverage more than 60 days ago, you only qualify for a Special Enrollment Period if you missed the deadline to enroll due to being impacted by the national emergency on COVID-19. Voluntarily dropping coverage doesn't qualify you for a Special Enrollment Period unless you also had a decrease in household income or a change in your previous coverage that made you eligible for savings on a Marketplace plan.
If I can’t pay my premiums because of a hardship due to COVID-19
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Check with your insurance company about extending your premium payment deadline or ask if they will delay terminating your coverage if you can’t pay your premiums.
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If your household income has changed, update your application immediately. You could qualify for more savings than you're getting now.