Health Insurance Marketplace Open Enrollment

Frequently Asked Questions

Dates and deadlines for 2023 health insurance

• The 2023 Open Enrollment Period runs from November 1 to January 15, 2023.
• If you don’t act by January 15, you can’t get 2023 coverage unless you qualify for a Special Enrollment Period. Recent legislation allows more people to qualify for a Special Enrollment Period if they miss the deadline or have a change in circumstances. Visit HealthCare.gov to learn more.
• Plans sold during Open Enrollment on or before December 15 start January 1, 2023. Plans sold during Open Enrollment after December 15 start February 1, 2023.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a way to find and buy health coverage that fits your budget and meets your needs. You can compare plans based on price, benefits and other features important to you before you make a choice. With one Marketplace application, you can:

• Compare plans and apply for health insurance
• Determine if you qualify for financial assistance
• Determine if you qualify for Medicaid or FAMIS (Virginia’s health insurance program for children)

Applications may be submitted online, by phone, by mail or in person with the help of a trained counselor or navigator.

What Health Insurance Marketplace plans does VCU Health participate in?

• Six insurers will offer Marketplace options covering Richmond City and most of the surrounding counties in 2023: Aetna, Anthem, Cigna, Optima, Oscar and United Healthcare. VCU Health providers, hospitals and facilities have in-network agreements with all of them except United Healthcare. 
• VCU Health also participates with all out of area Marketplace options from Optima and Piedmont Community Health Plan in Virginia.

What about pre-existing health conditions?

Health insurance companies selling plans through the Health Insurance Marketplace cannot deny you coverage or charge you more due to pre-existing health conditions. They also can’t charge different premiums based on your gender.

Are there cost breaks?

Those who use the Health Insurance Marketplace may be able to get lower costs on their monthly premiums and out-of-pocket fees. Most people who apply will qualify for some kind of savings. Recent legislation makes financial assistance more generous for 2023. It also makes financial assistance available to individuals and families that may not have been previously eligible.

Will I be able to have a Health Insurance Marketplace Plan and participate in the Indigent Care Program?

Yes, if you have a Health Insurance Marketplace Plan you may still be eligible for the Indigent Care program to cover out of pocket costs when you visit VCU Health providers.

Where can I find more information or get help enrolling?

VCU Health Financial Counseling has trained certified application counselors who are available to assist you with enrolling in the Health Insurance Marketplace. Call (804) 828-0966, Monday through Friday from 9 a.m. to 4 p.m., to speak to one of our certified application counselors from the convenience and privacy of your home. You can also call the Health Insurance Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325.

Other Helpful Resources

• HealthCare.gov: Get the latest resources and learn more about the Health Insurance Marketplace
• CommonHelp.virginia.gov: The Commonwealth of Virginia's fast and easy way to apply online for the Health Insurance Exchange, Medicaid, and many other social services assistance programs in Virginia.
• Enroll-Virginia.com: A nonpartisan, community-based effort to educate all Virginians about the Health Insurance Marketplace. You can also call toll free at 1-888-392-5132.