ACA Open Enrollment Period Ends Jan 15
For 2022 coverage, the open enrollment period for HealthCare.gov closes at the end of the day on Jan. 15, 2022, for coverage that will take effect on Feb. 1, according to Jae Oh, author of Maximize Your Medicare.
Key Takeaways
- Pay your first month's premium on time if you enrolled before December 15th for January 1st coverage, as there's no grace period for initial payments (unlike subsequent months)
- If enrolling between now and January 15th, your coverage begins February 1st, not January 1st—plan accordingly
- Carefully review provider networks when selecting a plan, as major national carriers have re-entered marketplaces alongside new insurers, creating more choices but requiring due diligence
- Account for all taxable income sources (capital gains, dividends, interest, hourly wages) when estimating your 2022 income for APTC calculations, as these directly affect your Modified Adjusted Gross Income and premium amounts
- You don't have to claim your entire APTC allocation, and you must report significant income changes (like pay raises) to adjust your credit estimate and avoid reconciliation penalties on your 2022 tax return
For 2022 coverage, the open enrollment period for HealthCare.gov closes at the end of the day on Jan. 15, 2022, for coverage that will take effect on Feb. 1, according to Jae Oh, author of Maximize Your Medicare.
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