Guide to Buying Individual Health Insurance

The Affordable Care Act’s annual open enrollment period for 2019 coverage has begun. (Open enrollment for ACA-compliant 2019 coverage will run from November 1, 2018 to December 15, 2018 in all states that use, and in five of the states that run their own exchanges. This enrollment schedule applies both on and off-exchange.)

This year’s enrollment period offers good news to many Americans. After two years of carriers leaving markets and steep rate increases, states are seeing carriers re-enter exchanges for 2019 – and average rate increases are smaller than they were in 2017 and 2018.  And, although premium subsidies will be slightly decreased in 2019 (though not in all states), those eligible for cost-sharing reductions will continue to receive them.

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