Virginia's Health Insurance Deadline: What You Need to Know

In Virginia, the clock is ticking to secure health insurance for the new year. The deadline to enroll in the Virginia Insurance Marketplace is fast approaching. By December 31, people must sign up for health plans that start on January 1. This deadline might be a bit of a hassle, especially with the holidays in full swing. But it's important to get it done. Why the rush? Well, premiums have been increasing, and that's not great news for anyone. If you miss the December 31 deadline, you can still enroll until January 30. However, your coverage won't start until February 1. So, it's better to act now rather than later. Keven Patchett, the director of the State Corporation Commission Health Benefit Exchange, emphasizes the importance of open enrollment. This is the only time for Virginians without a qualifying life event to review their options and enroll in quality health coverage for the year ahead. Patchett urges anyone without health insurance or needing to reenroll to take action now.The plans offered through the Marketplace are comprehensive. They cover all 10 essential health benefits, including preventive care, prescription drugs, mental health services, maternity and newborn care, and emergency services. Outside the Marketplace, you might find limited plans, often called “junk plans. ” These offer minimal protection and can leave you with high out-of-pocket costs and few consumer protections. Enrolling in a plan from the Marketplace ensures access to comprehensive, reliable coverage. Help is available online, in person, or over the phone for anyone who needs assistance with the enrollment process. Virginia’s Insurance Marketplace offers support through certified enrollment assisters, navigators, and licensed agents across the Commonwealth. Virginia’s Insurance Marketplace provides several free resources. These include a plan comparison tool to review available coverage options, a cost calculator to estimate potential financial assistance, and a statewide network of more than 5, 000 certified assisters and agents who can provide free, in-person or virtual help. There's also a help center with phone support and translation services. Virginians can visit Marketplace. Virginia. gov to browse plans, apply for coverage, and see if they qualify for financial help. It's a good idea to check it out and get everything sorted before the deadline.