If You Don't Have Health Insurance, Now Is The Time To Get It

Open enrollment from Nov. 1 to Dec. 15

Important dates

November 1
Open enrollment begins.

December 15
Last day to enroll in or change plans for new coverage to start on January 1.

January 1
Coverage starts for those who enrolled before December 15.

It's open enrollment time for health insurance coverage through the Affordable Care Act's Health Insurance Marketplace for individuals and families. Let us help you find the right plan and apply before the federal deadline of December 15 – at no cost to you.

Free assistance to help you find the coverage you need

Through a relationship with The University of Kansas Health System, Enroll365 provides assistance at no cost to you. Their patient advocates have been trained on the options available in Kansas and Missouri and are ready to assist you. Convenient service is available on the Enroll365 website or call 888-611-3816.

Why this is important

If you and your dependents (under 18 years of age) don't have health insurance through an employer, Medicare, Medicaid, the Children's Health Insurance Plan (CHIP), or another source that provides qualifying coverage, the Health Insurance Marketplace can help.

The open enrollment period takes place from November 1 to December 15, and if you don't have health insurance by the deadline, you may have to pay a penalty fee with your federal income taxes.

It's important to know whether you currently have another coverage option available, because:

  • If health insurance is available to you through your job, you will most likely be asked to pay the full price of the marketplace coverage options.
  • If you currently have Medicare coverage, you will not be able to switch to coverage from the marketplace, supplement your coverage or purchase a dental plan.

Coverage that costs less

You may be eligible for health insurance that costs less than the price listed through the marketplace. Your rates will be based on your expected income, not on what you actually earned in the previous year. We can include an income estimate on your application and tell you if you qualify for one of the following:

  • Health insurance at a reduced cost: Most applications are approved for a premium tax credit that would lower monthly payments, and some applicants also save on out-of-pocket expenses like deductibles and co-payments. These plans are offered by private insurance companies and include a range of features and pricing, but all plans in this category provide coverage for:
    • Essential health benefits.
    • Pre-existing conditions, including pregnancy.
    • Preventative care.
    • Dental insurance is available for an additional cost, but is not required by the Affordable Care Act. However, to purchase insurance on these plans, you must have the healthcare plan first.
  • Medicaid and CHIP: These programs provide free or low-cost coverage to millions of families with limited income, disabilities and some other situations.
    • Many states are expanding Medicaid to cover all households below a certain income, and we can help you determine if you qualify.
    • Your children may qualify for CHIP even if you don't qualify for Medicaid.

Remember, if you don't have health insurance coverage for yourself and your children under 18 years of age, you may be required to pay a penalty fee with your future income taxes of either 2.5% of your yearly household income, or $695 per person and $347.50 per child (under 18 year of age), whichever amount is higher.

To learn more about the penalty fees, visit:

Schedule an appointment to discuss insurance plan options

If you have questions about the healthcare insurance plan options or need help choosing a plan, please contact:


Phone: 888-611-3816

You can find general information about the Health Insurance Marketplace, by visiting: