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Obamacare Open Enrollment for 2020 has ended.But you can still enroll now if you had

If any of these happened to you


If none of these happened to you consider short-term insurance plans until open enrollment re-starts in November 2020.


Over 12 million Americans enrolled for 2020.

A record number of uninsured Americans now have health insurance because of the Affordable Care Act. Learn More .

2020 Subsidy + Tax Penalty Calculator

For 2020, if you earn less than $47,080 as an individual (or $97,000 for a family of 4) you’ll receive a tax subsidy to help you pay for some or all of your insurance. Use our calculator to see how much you’ll be eligible for.


Key Standards Under The Affordable Care Act

Frequently Asked Questions

  • When is the 2020 Open Enrollment Period?
    The 2020 Open Enrollment period for Obamacare/ACA health insurance is November 1, 2020 to December 15, 2020. If you miss this window you can’t enroll until the Marketplace re-opens in November 2020 unless you have a special “life event” such as having a baby or losing your job. For complete information on deadlines for 2020 go here..
  • What happens if I don't sign up for Obamacare?
    If you don’t have insurance, you’ll be fined and you won’t be able to receive free subsidies to reduce your monthly cost until enrollment re-opens in November 2020. For 2020 the fine is 2.5% of your annual income or $695 per adult, whichever is higher, and there are additional fines if you have children. The fee increases every year based on inflation.
  • What if I can't afford health insurance?
    If you’re unemployed or make less than $47,080 a year you can get a subsidy from the government to help you. Try our calculator or start the application process here and your subsidy will automatically be calculated based on the profile information you provide. Also make sure you know all your options and read our "Top 5 Changes for 2020"
  • How can I get a tax subsidy to lower my monthly cost of insurance?
    Complete this short profile form and your subsidy amount will automatically be calculated, if you qualify for one. You do not actually receive a subsidy check in the mail, instead you’ll immediately see a discount in your monthly insurance cost on the plan you select. The government then works with your carrier to pay for the subsidy amount you’re eligible for.
  • How do I enroll?
    To enroll in Obamacare/ACA health insurance plans complete the short form here.
  • When does the 201 Open Enrollment Period End?
    The 2020 Open Enrollment Period starts on November 1, 2020 and ends on January 31, 2021. For a list of deadlines and other information go here.

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