Frequently Asked Questions

CoverageCompass helps you compare health coverage options and understand what the terms really mean, without pressure. This FAQ is a starting point for the questions people ask most often before requesting quotes or choosing a plan.

Timing matters. In most states that use HealthCare.gov, the yearly Marketplace Open Enrollment period runs from November 1 through January 15, and enrolling by December 15 is typically the deadline for coverage to start January 1.

If you miss Open Enrollment, you may still be able to enroll if you qualify for a Special Enrollment Period (for example, losing coverage, moving, getting married, or having a baby). Medicaid and CHIP are different: you can apply any time of year.

This page reflects publicly available guidance as of July 2026. Rules can vary by state and by plan type, so when you're close to enrolling, confirm details with your Marketplace, insurer, or a licensed professional.

Common coverage questions

Quick, reliable answers to help you decide.

When is Open Enrollment?

For Marketplace plans in most HealthCare.gov states, Open Enrollment is November 1 to January 15. If you want coverage to start on January 1, you typically need to complete enrollment by December 15. State-based Marketplaces may use different deadlines.

Can I enroll midyear?

Yes, sometimes. A Special Enrollment Period may apply if you have a qualifying life event. For many life changes, you can enroll up to 60 days after the event (and in some cases, your coverage can start the day of the event even if you enroll afterward).

Is there a penalty?

There is no federal tax penalty for being uninsured (the federal shared responsibility payment has been $0 since tax year 2019). However, some states and the District of Columbia have their own coverage requirements and may assess a state tax penalty—check local rules where you live.

What do plans cover?

Marketplace plans must cover essential health benefits and can't deny coverage or charge more due to pre-existing conditions. Costs still vary by plan: premium, deductible, copays, coinsurance, and out-of-pocket maximum. Always confirm whether your doctors and medications are in-network.

Need official help?

If you want enrollment help or need to confirm Marketplace deadlines, you can contact HealthCare.gov's Marketplace Call Center at (TTY: ).

If you believe you received a surprise medical bill for covered emergency care or certain out-of-network services at an in-network facility, the federal No Surprises Act protections generally took effect January 1, 2022.

For questions or complaints related to those surprise-billing protections, you can contact the No Surprises Help Desk at .

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