North Dakotans have until March 31, 2014, to enroll in individual and family plans for 2014. This includes plans available on the North Dakota Health Insurance Marketplace. After March 31, those wishing to purchase plans will need to wait until November 15, 2014, when the next open enrollment period begins.*
You only need to enroll in coverage through the Marketplace if you wish to apply for a federal tax credit to help pay for your health insurance. Not sure if you are eligible for the tax credit? Use our handy tax credit calculator. If you do not qualify for a tax credit, you can enroll in a BCBSND health insurance plan at www.BCBSND.com/shop or by calling 800-280-BLUE (2583). You can also get started and find out how to get to the Marketplace by visiting www.BCBSND.com/shop.
This video offers some more info on how health reform impacts your health insurance options.
Who needs coverage?
The March 31 deadline only applies to those who buy their own health insurance (not through an employer) and want to have their new insurance plan begin coverage on April 1, 2014. If you already have health insurance or get health insurance through work, you do not need to purchase your own plan to meet the federal requirement to have health insurance in 2014.
New BCBSND plans available for purchase in 2014 meet all the requirements of the Affordable Care Act.
If you have existing BCBSND coverage through your employer, talk to your employer about how health care reform affects your health insurance, or call BCBSND Member Services at the number on the back of your BCBSND member ID card. Call one of our Health Benefits Consultants at 800-280-BLUE (2583) if you have any questions about the tax credit, need help finding a BCBSND health insurance plan that fits your needs or have questions about how health care reform will affect you.
*You may be able to change your coverage outside the open enrollment period if you have a qualifying life event, which is a change in your life that can make you eligible for a special enrollment period to enroll in health coverage. Examples of qualifying life events include moving to a new state, certain changes in your income and changes in your family size (like getting married, divorced or having a baby).
Ryan Schuster is an editor in the Communications department at Blue Cross Blue Shield of North Dakota.