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Open Enrollment Fact Sheet

Open Enrollment Fact Sheet – What to Know to Get Coverage for 2022

The Health Insurance Marketplace Calculator provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA).

GENERAL FACTS FOR 2022

You should review your plan each year to ensure it meets your health and budget needs. Open Enrollment for 2022 is November 1, 2021, to January 15, 2022. The carriers offering individual Marketplace coverage in 2022 are Anthem, CareSource, MHS/Ambetter, and US Health and Life dba Ascension Personalized Care. Certified Indiana Navigators are available to help you enroll in a plan.

Company Name Number of Counties with Marketplace Coverage
Anthem 45
CareSource 92
MHS/Ambetter 92
US Health and Life dba Ascension Personalized Care 30

THE PROCESS FOR GETTING COVERAGE

Hoosiers should use the steps outlined below to complete their plan enrollment. Certified Navigators are available to answer questions and help you throughout the enrollment process.

  • Review
    • Review your coverage
    • Look for a letter from your insurance company about how benefits and costs may change next year.
  • Update
    • Log in to the federal Marketplace starting on November 1 and update your 2022 application.
    • Make sure your household income and other information is up-to-date for next year.
  • Compare
    • Compare your current plan with other plans that are available in your area.
  • Choose
    • Select the health plan that best fits your budget and health needs.
      • What hospitals and doctors are “in-network”?
      • Are your current medications covered by the plan?
      • Is there a deductible associated with my medications?
      • Is a prior authorization required in order to have my medications covered?
      • Ask to look at the Summary of Benefits and Coverage
  • Enroll
    • Enroll in a plan from November 1, 2021, to January 15, 2022.
    • Pay your first month’s premium by December 15, 2021, for your coverage to start on January 1, 2022

WHAT TO DO IF YOUR 2021 COVERAGE WILL NOT BE AVAILABLE FOR 2022

For Marketplace Plan Enrollees

The Centers for Medicaid and Medicare (“CMS”) will automatically enroll you in another Marketplace plan with the same or a different insurance company. You do not have to stay in this plan if it does not work for you and can enroll in a different plan on healthcare.gov during Open Enrollment. If you do not enroll in a different plan on healthcare.gov, you will remain in the plan that CMS selected for you. Regardless of what plan you will have for 2022, you must pay the first month’s premium to make your plan effective. You will receive two notices: one from your current insurance company and one from CMS.

Insurance Company Notice InformationCMS Notice Information
When your current plan ends The plan name for the new plan you are enrolled in
When you can select a new plan The plan ID for the new plan you are enrolled in
What you need to do to select a new plan The option to enroll in a different plan
Contact information for the Marketplace Contact information for the Marketplace

For Off Marketplace Plan Enrollees.

You will not be automatically enrolled in a plan like a person enrolled in a Marketplace plan. You will actively need to select a plan during Open Enrollment. You must pay the first month’s premium to make your plan effective. You will receive a notice from your current carrier, which will contain:

Insurance Company Notice Information
When your current plan ends What you need to do to select a plan
When you can select a new plan Contact information for the Marketplace