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Health Insurance Marketplace Guide

Dates and deadlines for 2019 health insurance

  • The 2019 Open Enrollment Period runs from November 1, 2018 to December 15, 2018.
  • Plans sold during Open Enrollment start January 1, 2019.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a new way to find and buy health coverage that fits your budget and meets your needs. You can compare plans based on price, benefits and other features important to you before you make a choice. With one Marketplace application, you can:
  • Compare plans and apply for health insurance
  • Determine if you qualify for subsidies (tax credits)
  • Determine if you qualify for Medicaid or FAMIS (Virginia’s health insurance program for children)

Applications may be submitted online, by phone, by mail or in person with the help of a trained counselor or navigator.

Do I have to buy health insurance?
You are required to have health insurance or pay the penalty if you do not get coverage. Coverage may include employer-provided insurance, coverage you buy on your own, Medicare or Medicaid.

What about pre-existing health conditions?
Health insurance companies selling plans through the Health Insurance Marketplace cannot deny you coverage or charge you more due to pre-existing health conditions. They also can’t charge different premiums based on your gender.
Are there cost breaks?
Those who use the Health Insurance Marketplace may be able to get lower costs on their monthly premiums and out-of-pocket fees. Most people who apply will qualify for some kind of savings.
Where can I find more information or get help enrolling?
VCU Health Financial Counseling has trained certified application counselors who are available to assist you with enrolling in the Health Insurance Marketplace. Call (804) 828-0966, Monday through Friday from 9 a.m. to 4 p.m., to speak to one of our certified application counselors from the convenience and privacy of your home. You can also call the Health Insurance Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325.

Other Helpful Resources
Get the latest resources and learn more about the Health Insurance Marketplace
The Commonwealth of Virginia's fast and easy way to apply online for the Health Insurance Exchange, Medicaid, and many other social services assistance programs in Virginia.
A nonpartisan, community-based effort to educate all Virginians about the Health Insurance Marketplace. You can also call toll free at 1-888-392-5132.