Individual & Family Marketplace Insurance
During the public health emergency, currently effective through April 21, 2021, most health insurance plans will provide zero-cost COVID-19 testing and vaccination. However, the specific coverage benefits and policies for COVID-19 testing and treatment is determined by your insurance company. Different companies may have different policies. You should check with your insurance company to understand what is covered and excluded.
Open enrollment for coverage effective the following year begins February 15th and ends May 15th. After the open enrollment period ends individuals and families are not eligible to sign up for Marketplace coverage until the next open enrollment period.
However, certain changes in your circumstances may make you eligible to enroll during a special 60-day period outside of the open enrollment period.
Yes, you may be eligible to enroll in Marketplace health plans if you decline your employers offered insurance plans. However, you may or may not be eligible to receive subsidies to help cover the cost of your Marketplace health plan if your employer-sponsored plan is under a certain percentage of your income level or if the plan meets the “minimum value standard”.
You are able to enroll in individual health plans if you are a freelancer, consultant, independent contractor or other self-employed person who does not have any employees. In order to apply for Marketplace health insurance you’ll need to estimate your net income, which can be difficult. Learn how to estimate your net income.
Non-Marketplace Health Insurance
No, you may be eligible to enroll in a short-term affordable health insurance plan outside of the Marketplace. Short-term health plans are temporary coverage plans that can be used when you are in an employer waiting period, between work or if you’ve missed the Marketplace open enrollment period.
Short-term plan lengths can vary by state policies and regulations. In Nebraska these plans are limited to policies under 12 months, but can be renewed for up to 3 years.