While health insurance enrollment is typically only available during the annual Open Enrollment period at the end of the year (unless you have a qualifying life event), the 2021 American Rescue Plan Act (ARP) led to the creation of a Special Enrollment Period to assist Americans during the Covid-19 pandemic.

The 2021 Special Enrollment Period began on 2/15/21 and will close on 8/15/21.

As of June 30 more than 1.5 million people have enrolled in new health coverage since the Special Enrollment Period began, and another 2.5 million have been able to lower the premiums of their existing plans.

ARP subsidies have dramatically improved access and affordability for Americans. The qualification criteria have been expanded to include higher-income households, including those making more than 400% of the federal poverty line. ARP also provides increased subsidies for those who had already qualified, and households with income below 150% of the federal poverty level will benefit from eliminated premiums and decreased deductibles.

If you have not inquired about ARP savings since the income thresholds were loosened, schedule a free 15-minute appointment with a licensed benefits counselor. Remember: enrollment ends August 15.