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Enrollment And Termination

Questions answered


When a Marketplace receives a health care plan selection from an eligible individual, it will promptly notify the applicable QHP issuer of the requested enrollment and transmit the needed eligibility and enrollment information.

The QHP issuer will then provide the enrollee with an enrollment information package.

If an individual contacts a QHP issuer to initiate an enrollment, the issuer will direct the individual to either:

  • Submit an enrollment application to a Marketplace
  • Fill out and submit the single, streamlined Marketplace application if the individual has not yet received an eligibility determination

If a qualified individual makes a QHP selection but later selects a new QHP before the coverage effective date, the initial QHP selection could be automatically cancelled by the Marketplace as part of the transmission of updated enrollment information to QHP issuers. If any premiums were paid to the initial QHP, the QHP issuer would be responsible for refunding the premium. In some instances, such as when cancellation requests are received immediately before the coverage effective date, the process might result in a retroactive cancellation and QHP issuers should ensure their systems can accommodate such transactions.

Enrollment Termination

Enrollees may terminate QHP coverage on their own accord at any time of the year, including as the result of obtaining other minimum essential coverage (e.g., Medicaid, employer-sponsored insurance coverage), after giving appropriate notice to the Marketplace.

Marketplaces and QHPs may terminate an enrollee’s coverage if the individual:

  • Is no longer eligible for coverage in a QHP through the Marketplace
  • Fails to pay premiums, consistent with the three-month minimum grace period requirement
  • Is enrolled in a QHP that is being terminated or decertified and does not select a different QHP during an applicable enrollment period
  • Has obtained coverage based on fraud or an intentional misrepresentation of material fact

When an individual selects a different QHP during an applicable enrollment period, coverage under the previous QHP will end automatically on the date that coverage under the new QHP takes effect.

Agents and Brokers are required to be trained to assist consumers with the application and decision making process. Using an Agent to enroll in a ObamaCare Health Plan will be the primary choice of many americans. After all agents have the inside track on companies and their promptness to handle claims and pay benefits in atimely fashion.

Our Agents are available 7 days a week.

We offer a free consultation which entails speaking one on one with a knowledgable Agent that has been state licensed and trained to answer your questions.

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*ExploreObamacare.com is not affiliated with any government agency. All information provided is for informational purposes only and no guarantee of the accuracy is hereby implied. The information was the product of researching the Affordable Care Act Bill and is subject to change.
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