Laid Off? You Can Still Sign Up for Obamacare

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Roughly 9 million Americans have applied for unemployment insurance in the past two weeks as the coronavirus pandemic ravages the economy. But, thanks to the Affordable Care Act, those who have lost their employer-based health coverage don’t need to go uninsured.

Loss of job-based coverage counts as a qualifying event for a so-called “special enrollment period,” allowing people to sign up for an individual Obamacare plan outside of the annual open enrollment period, which ended on December 15. People typically have 60 days from their loss of coverage to enroll. Lower-income people may also be eligible to enroll in Medicaid.

The Kaiser Family Foundation, which considers the ACA a “substantial health care safety net,” provides a handy calculator for estimating how much a marketplace plan might cost, based on an individual’s location, income, and household details.

For people who were already uninsured before the economy melted down, the picture is more complicated. Twelve states that run their own insurance marketplaces—including coronavirus hotspots like New York, California, and Washington—have opened special enrollment periods in response to the crisis, allowing anyone who lacked insurance prior to the pandemic to get covered. President Donald Trump reportedly considered opening a special enrollment period for residents of the dozens of other states that participate in the federally run insurance marketplace, but he ultimately decided against it.

Trump has been an outspoken critic of Obamacare, siding with Republican attorneys general in a lawsuit that seeks to undo the health care law entirely. The short-term health insurance plans he espouses as an alternative do not have to comply with the ACA, meaning they could deny coverage to people with pre-existing conditions or refuse to cover services like mental health care.

HERE ARE THE FACTS:

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ONE MORE QUICK THING:

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As we wrote over the summer, traffic has been down at Mother Jones and a lot of sites with many people thinking news is less important now that Donald Trump is no longer president. But if you're reading this, you're not one of those people, and we're hoping we can rally support from folks like you who really get why our reporting matters right now. And that's how it's always worked: For 45 years now, a relatively small group of readers (compared to everyone we reach) who pitch in from time to time has allowed Mother Jones to do the type of journalism the moment demands and keep it free for everyone else.

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