North Carolina Notice of Special Enrollment Rules

State:
Multi-State
Control #:
US-359EM
Format:
Word; 
Rich Text
Instant download

Description

This notice informs an individual of his or her rights for special enrollment involving health insurance coverage.

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FAQ

The penalty for not having coverage the entire year will be at least $800 per adult and $400 per dependent child under 18 in the household when you file your 2021 state income tax return in 2022. A family of four that goes uninsured for the whole year would face a penalty of at least $2,400.

There is no penalty for not having ACA mandated coverage in 2022 unless you live in a state like New Jersey or Massachusetts where it is mandated by the state.

Unlike in past tax years, if you didn't have coverage during 2021, the fee no longer applies. This means you don't need an exemption in order to avoid the penalty.

There is no federal penalty for not having health insurance since 2019, however, certain states and jurisdictions have enacted their own health insurance mandates. The federal tax penalty for not being enrolled in health insurance was eliminated in 2019 because of changes made by the Trump Administration.

You can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs).

You qualify for a Special Enrollment Period if you've had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

You can have both a Marketplace plan and Medicaid or CHIP, but you're not eligible to receive advance payments of the premium tax credit or other cost savings to help pay for your share of the Marketplace plan premium and covered services.

BY Anna Porretta Updated on January 21, 2022 As of 2019, the Obamacare individual mandate which requires you to have health insurance or pay a tax penalty no longer applies at the federal level.

Normally, coverage is only available for purchase during the annual open enrollment period, but a special enrollment period allows people to sign up for coverage outside of that annual window, as long as they have a qualifying event.

If you get married, you're eligible to get coverage effective the first of the following month, regardless of how late in the month you enroll. If you have a baby, adopt a child, or receive a court order for medical child support, the coverage can be backdated to the date of the birth, adoption, or court order.

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North Carolina Notice of Special Enrollment Rules