Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
In Kansas, individuals and families may enroll through the Health Insurance Marketplace from November 1, 2015 through January 1, 2016.
Coverage becomes effective on January 1, 2016 for people who sign up between November 1 and December 15, 2015.
Following that, coverage is effective on the first day of the following month if a consumer enrolls by the 15th.
If after the 15th, coverage will be delayed an additional month.
During this open enrollment period, you will be able to change plans, change insurance companies or stay with the plan they have if it is still available.
There are special enrollment periods for individuals or families if they have a “qualifying life event” or a “complex situation”. Some examples include:
Loss of minimum essential coverage for an individual or their dependent
Marriage birth or placement for adoption
Losing job-based coverage for any reason
Turning 26 and losing coverage under a parent’s plan
Gaining citizenship or legal immigration status
Change in eligibility or transfer from Medicaid or CHIP
Expiration of COBRA
And being a victim of domestic abuse
For a complete list of reasons for the special enrollment period click here.
Contact the Kansas Insurance Department at 800-432-2484
Or the Health Insurance Marketplace at 800-318-2596.
This article is published on KansasMoney.gov. Find more information by contacting these state agencies: