FAQs

Answers to Commonly Asked Questions

What is a navigator?

Certified Navigators are available free of charge to help you find the right health insurance plan and guide you through the application process. If you have Marketplace questions at any time during the year, you can contact your Navigator for answers.

Does it cost money to get help from a Navigator?

No. Navigators are not sales people. The services provided by Navigators are free, unbiased, and confidential.

Why should I get help from a Navigator?

Working with a Navigator can save you time and make sure you are getting the best coverage for your budget and needs. This support is ongoing. So if you have questions in the future or your circumstances change, your Navigator can continue to help you.

What if I already have an insurance plan?

If you would like to keep your current plan and it’s still available and your tax credits do not change than you do not need to do anything. You will be automatically renewed for 2023. However, it is recommended that you visit with a Navigator when renewing to ensure you have the right tax credits applied. If your household size or income have changed, you should update your plan information with the assistance of a Navigator so you get the full savings available to you. If your current plan isn’t covering all of your needs, a Navigator can help you make changes to your plan.

When can I enroll?

Open enrollment begins November 1, 2022 and ends January 15, 2023. For health coverage that begins January 1, 2023 applications must be submitted by December 15, 2022. There are certain circumstances that may qualify you for special enrollment.

What is Open Enrollment?

Open enrollment is the annual period where you can enroll in ACA-compliant health insurance plans. If you miss it, you may have to wait until the next open enrollment period to make any changes, unless you qualify for Special Enrollment. 

What is Special Enrollment?

Once the Open Enrollment Period for this year is over, you can only enroll in or change a Marketplace health plan if you qualify for a Special Enrollment Period. You may be eligible based on estimated household income, or if you experience a life event such as getting married, moving, having a baby, adopting a child, placing a child for foster care, getting divorced or legally separated and losing your health insurance, or if someone in your household died. You can also qualify for Special Enrollment if you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago but since January 1, 2020) OR expects to lose coverage in the next 60 days, or if you or anyone in your household newly gained access to an individual coverage HRA or a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) in the past 60 days OR expects to in the next 60 days.