Open Enrollment. Affordable Care Act.

What does it all mean?

You may be wondering what options you have for health insurance coverage — and whether your budget can handle them.

Special Enrollment (Feb. 15 – Aug. 15, 2021) may allow you to purchase health insurance this month regardless of your life situation. We're happy to help you sort out the key facts!

Affordable Care (F)Acts.

The Affordable Care Act (ACA) was enacted in 2010 to make health insurance available to every American and is still in effect. Key highlights:

Insurers cannot:

  • reject you for having a pre-existing condition
  • put lifetime limits on coverage
  • withdraw your coverage just because you're sick

An ACA-compliant health care plan should cover these basics:

  • emergency care
  • hospitalization
  • RX drugs
  • maternity and newborn care
  • lab services

Mylo is an independent broker who only guides you to plans that are ACA compliant—in a fast, friendly, easy-to-navigate online shop.

Decoding Open and Special Enrollment

The Affordable Care Act established a specific time period when you can enroll in health insurance without a qualifying life event. Open Enrollment for 2021 ended on Dec. 15, 2020 in most states.

Good news! If you live in New York, you have extra time to enroll. New York extended Open Enrollment through May 15, 2021.

Special Enrollment (Feb. 15 – Aug. 15, 2021) was just launched in response to the COVID-19 pandemic. If you live in a state participating in the Federal Exchange (health insurance marketplace) you can shop for a new or better health plan this month regardless of your life situation. If you live in one of the following states, check with your State Exchange for options: CA, CO, CT, DC, ID, MD, MA, MN, NY, VT and WA.

Outside of Open or Special Enrollment, you can still enroll in health insurance as long as you've had a life-changing event including:

  • losing coverage
  • changing your household income
  • moving to another county or ZIP code
  • getting married
  • losing dependent status
  • getting divorced or separated
  • having a baby or adopting a child
  • changing immigration status

Check out these six steps for enrolling in health insurance.

Our expert guidance ... your smart decision.

Mylo is your trusted guide to the right health plan, fast.

  • We're part of the world's largest independent insurance broker. We don't sell our plans ... just guide you to the best coverage and price for your needs.
  • Mylo lets you review side-by-side comparisons of health plans so you can make an informed choice.
  • Our handy tax credit calculator and online tools make it easy to compare your options by price, deductibles and copays.

Compare ACA-compliant health plans from trusted providers now.

The right coverage? Surprisingly simple!