aleka_hs

Does HealthCare.gov bias their recommendations?

Nope, but the rest of the industry does - and many other web brokers offer alternative plans that don't cover essential health benefits or pre-existing conditions, and aren't a substitute for ACA plans. (We don't - we only offer ACA-compliant coverage.)

Losing coverage under your parents' insurance gives you what's called a "Qualifying Life Event" that lets you sign up for your own health insurance through the ACA Marketplace. More here: https://www.healthsherpa.com/blog/what-is-special-enrollment-period-sep/

It's important to check when your parents' insurance will stop covering you - employer-sponsored plans usually cover you to the end of your birth month, and ACA Marketplace plans to the end of the calendar year.

No need to sign up now - when you lose parental coverage, you'll get a "special enrollment period" during which you can select a Marketplace plan. More here: https://www.healthsherpa.com/blog/what-is-special-enrollment-period-sep/

Make sure to check when your parents' insurance will stop covering you - employer-sponsored plans usually cover you to the end of your birth month, and ACA Marketplace plans to the end of the calendar year.

Generally, folks over 65 are eligible for Medicare! There are a number of different "parts" to Medicare and the right combination varies from person to person. Here's a good place to start: https://www.healthsherpa.com/blog/what-is-medicare/

PS - we help folks figure out their options for Medicare too, so feel free to reach out if you need help! https://www.healthsherpa.com/medicare

If you miss the Open Enrollment deadline for your state* you may have to wait until next fall to sign up, unless you have a qualifying life event (for example your income changes and makes you eligible for financial assistance - full list here https://www.healthsherpa.com/qualifying-life-events/)

Depending on your state, if your income is below a certain threshold OR you meet certain criteria (e.g. low-income and pregnant/have a disability) you may be eligible for Medicaid, which you can enroll in year-round.

• Some states have extended deadlines; you can check here: https://www.healthsherpa.com/blog/your-quick-guide-to-the-2019-open-enrollment-period/

Losing coverage under your parents' insurance gives you what's called a "Qualifying Life Event" that lets you sign up for your own health insurance through the ACA Marketplace. More here: https://www.healthsherpa.com/blog/what-is-special-enrollment-period-sep/

It's important to check when your parents' insurance will stop covering you - employer-sponsored plans usually cover you to the end of your birth month, and ACA Marketplace plans to the end of the calendar year.