Special “tax season” enrollment period offered for 2015 coverage

dad_kids_computer_clip2On February 20, CMS announced a special enrollment period for tax season. It gives people who are subject to the Shared Responsibility Payment on their 2014 taxes and live in a state that uses HealthCare.gov (the federally facilitated Marketplace) a little more time to enroll in 2015 coverage.

The special enrollment period is March 15 through April 30. Your coverage will begin on either the 1st or the 15th of the following month, depending on the date you enroll.

To be eligible for the special enrollment you must:

  1. Not yet be enrolled in coverage for 2015 through HealthCare.gov,
  2. Attest that when you filed your 2014 tax return, you paid the fee for not having health coverage in 2014, and
  3. Attest that you first became aware of, or understood the implications of, the Shared Responsibility Payment after the end of open enrollment (February 15, 2015) in connection with preparing your 2014 taxes.

What about states that don’t use the federally facilitated Marketplace? These states are able to make their own decisions about whether to allow this special enrollment period, so you’ll need to check eligibility through your state’s Marketplace.

Is there anything I should know as a PacificSource customer? If you’re a PacificSource customer purchasing 2015 individual coverage direct through us, we will honor this special enrollment period for tax season in states that are allowing it.

Here’s what we know:

  • Oregon and Montana will allow the special enrollment period for tax season. PacificSource will also honor it for customers purchasing individual coverage directly from us.
  • Idaho: Idaho has its own Marketplace, YourHealthIdaho.org. Your Health Idaho has chosen not to extend the special enrollment period for tax season. However, if you tried to enroll by the end of the enrollment period deadline, but were not able to finalize your plan selection in time for reasons beyond your control, Your Health Idaho will review your situation to see if you qualify for a special enrollment to be effective March 1. PacificSource, to be consistent with Your Health Idaho, will also not extend the special enrollment period. If you purchase your individual plan direct from us, February 28 will be our deadline for plans effective March 1.