Treat Yourself to Peace of Mind

November 19, 2015 • By Dr. Nancy C. Lee, Deputy Assistant Secretary for Health — Women's Health and Director, Office on Women's Health

It's that time again! No, I don't mean pecan pie and holiday parties (though I am looking forward to both of those!). It's time to get covered!

If you or someone you know needs insurance, now is the time to apply forquality and affordable coverage through the Health Insurance Marketplace. Open Enrollment started November 1 and goes until January 31. But you need to apply by December 15 if you want your coverage to start as soon as January 1. (Check out these other important dates.)

Why sign up for a Marketplace plan? Maybe you took your chances this year and went without health insurance. Even if you never got sick, that doesn't mean it's the safe choice for 2016. Having insurance helps protect you in two ways. If you do come down with a serious illness or are injured, insurance helps protect you from potentially catastrophic medical costs. For instance, a trip to the hospital can quickly move into the tens or hundreds of thousands of dollars. Why risk it? Second, most Marketplace health plans cover preventive services like vaccinations and screening tests at no cost to you, helping to keep you healthy and catch illnesses early, when they're easier to treat.

If you're worried about the cost of coverage, you can quickly see if you qualify for financial help. And most people do! Over 80% of the people who signed up for Marketplace coverage qualified for lower monthly premiums, and most can find an individual plan that costs $75 or less per month. Not having insurance will cost you even more in 2016 taxes than it cost in 2015.

This year signing up is easier than ever! Last year, it took most people only about 10 minutes — and you can even do it on your cell phone (just not while driving, please).

Already have a Marketplace plan? Don't forget to renew your coverage by January 31. If your income or job, family, or health status changed this year, update your information to make sure you're getting the best care for your needs and budget. Even if your needs haven't changed, you can still compare plans to make sure you're getting the best deal. Renewing your coverage is easy and quick.

Still think signing up is complicated? Whether you're renewing a plan you love, increasing your coverage, or applying for the first time, free, confidential help is just a call or click away. If you have any questions, call 800-318-2596 or find in–person help in your community.

Give yourself — and those you love — the gift of peace of mind. Get covered today!