When Is ACA Open Enrollment?
The ACA Marketplace Open Enrollment Period typically runs from November 1 through January 15. Coverage selected during this window generally starts on January 1 for enrollments completed by December 15, or February 1 for enrollments completed between December 16 and January 15.
Wisconsin residents can enroll through the federal Marketplace at healthcare.gov or with the help of a licensed agent like Brad.
Who Should Enroll in an ACA Plan?
- Self-employed individuals and freelancers
- People who recently lost employer-sponsored coverage
- Early retirees not yet eligible for Medicare
- Part-time workers without access to employer coverage
- Anyone whose income qualifies them for a premium tax credit or cost-sharing reduction
Understanding ACA Metal Tiers
ACA plans are categorized into four metal tiers based on how costs are split between you and the insurer:
| Tier | Insurer Pays | You Pay | Best For |
|---|---|---|---|
| Bronze | ~60% | ~40% | Low premiums, healthy people |
| Silver | ~70% | ~30% | Subsidies, moderate use |
| Gold | ~80% | ~20% | Regular medical needs |
| Platinum | ~90% | ~10% | High medical needs |
Premium Tax Credits and Cost Reductions
Many Wisconsin residents qualify for significant financial assistance with their ACA premiums. Premium tax credits are available to individuals and families with incomes between 100% and 400% of the federal poverty level — and in some cases even higher.
Special Enrollment Periods
If you miss Open Enrollment, you may still be able to enroll if you experience a qualifying life event, such as:
- Losing job-based coverage
- Getting married or divorced
- Having or adopting a child
- Moving to a new coverage area
- Losing Medicaid or CHIP eligibility
Special Enrollment Periods typically give you 60 days from the qualifying event to enroll in a new plan.