HOW DO I KNOW WHEN TO ENROLL?
Medicaid enrollment is always open. Applications are accepted at anytime during the year. If you are denied for any reason, or if your situation changes, you can reapply any time. When you apply for Medicaid, you apply for all Medicaid programs including Healthy Kids, MIChild, Pregnant Moms and Infants and the Healthy Michigan Plan.
Employer Open Enrollment
Employers have their own Open Enrollment periods, and generally you can only enroll in employer coverage during open enrollment or if you have a reason for a special enrollment period. The special enrollment period reasons are similar to the special enrollment periods for the Marketplace. One additional important special enrollment period at some workplaces is if enrollment for a new employer can only happen after probation ends. Check with your employer!
Marketplace Open Enrollment
Open Enrollment for the Marketplace is usually November 1 of the current year to January 31 of the following year. There is only ONE Open Enrollment period per year for the Marketplace.
For the remainder of 2017, you can enroll in a 2017 health insurance plan only if you have a life event that qualifies you for a Special Enrollment Period.
SPECIAL ENROLLMENT PERIOds for the Marketplace
- Getting married
- Having a baby
- Adopting a child or placing a child for adoption of foster care
- Losing other health coverage
- Moving to a new residence
- Gaining citizenship or lawful presence in the U.S.
- Leaving incarceration
- For people already enrolled in Marketplace coverage:
- Having a change in income or household status that affects eligibility for premium tax credits or cost-sharing reductions
- Note: Voluntarily quitting a Marketplace plan mid-year doesn’t qualify you for a Special Enrollment Period.
If any of these apply to you, you’re eligible for a Special Enrollment Period that allows you to enroll in a 2016 plan. Find an agency to help you, visit the Marketplace or call the Marketplace 1-800-318-2596.
Medicare Open Enrollment
Medicare's open enrollment period is October 15 to December 7. Medicare health and drug plans can make changes each year—things like cost, coverage, and what providers and pharmacies are in their networks. October 15 to December 7 is when all people with Medicare can change their Medicare health plans and prescription drug coverage for the following year to better meet their needs.
People in a Medicare health or prescription drug plan should always review the materials their plans send them, like the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC). If their plans are changing, they should make sure their plans will still meet their needs for the following year. If they’re satisfied that their current plans will meet their needs for next year and it’s still being offered, they don’t need to do anything.