A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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What are the deadlines for the ACA’s open enrollment period?
A list of the open enrollment deadlines for enrollment in 2023 ACA-compliant health insurance in every state. Open enrollment ended on January 15, 2023 in most states.

Latest News & Topics

Latest News & Topics

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Applying for ACA Coverage?
Understanding how small differences in projected income can have a large impact on your health plan costs can be key to obtaining affordable coverage.

guaranteed issue

What is guaranteed issue?

healthinsurance.org health insurance glossary

Guaranteed issue refers to health insurance coverage that is guaranteed to be issued to applicants regardless of their health status, age, or income.

Prior to 2014, individual market health insurance (the kind you buy on your own, rather than obtaining from an employer) was typically not guaranteed issue. Instead, insurers in most states based eligibility on an applicant’s medical history. But that changed when the bulk of the Affordable Care Act’s provisions were implemented in 2014.

All individual-market major medical plans in all states are now guaranteed issue, and applicants’ medical history is no longer a factor in their eligibility. The trade-off is that enrollment is now limited to one annual open enrollment period, and special enrollment periods triggered by qualifying events (prior to 2014, people could apply for individual market coverage at any time, but eligibility in most states was contingent on medical history).

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