Understanding Health Insurance
These resources are for anyone shopping (or helping someone shop) for health coverage within the health insurance marketplaces created through the Affordable Care Act (also known as the ACA or Obamacare).
In 2021, HealthCare.gov and all state-run Marketplaces have extended the enrollment period to make it easier for people to sign up for coverage during the COVID-19 pandemic. During this extended enrollment period, uninsured people can sign up, and people already enrolled in the Marketplace have an opportunity to change plans. Even though this extended COVID enrollment period is sometimes referred to as a “special” enrollment period, you do not need to have a qualifying event (such as loss of other health coverage) to sign up during this time.
The extended enrollment period in HealthCare.gov states runs from February 15 – May 15, 2021; enrollment dates may vary for state-run marketplaces.
In this animated video, the YouToons break down important insurance concepts, such as premiums, deductibles and provider networks.