If you’re under age 65 and don’t have health insurance through an employer, you may need to purchase your own. The Affordable Care Act requires nearly all Americans to have health coverage. If you can afford health insurance but choose not to buy it, you will have to pay a penalty unless you have an exception.
Each year there’s a window of time, called “open enrollment,” where individuals and families can buy insurance directly from private insurance companies, like Blue Cross Blue Shield of Michigan, or through the Health Insurance Marketplace. Exact dates vary from year to year, but this year’s open enrollment to get coverage for 2016 started on Nov. 1 and continues through Jan. 3. For coverage starting on Jan. 1, 2016, you must enroll by Dec. 15, 2015. Otherwise, you may have a gap in your coverage, leaving you vulnerable to health and financial risks. For the full article click here
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