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In Tuesday’s oral argument, two conservative judges appeared to indicate their support for the act, but the outcome of the trial is uncertain. The court is not expected to announce a decision until the middle of next year.
“We don’t know what’s going to happen,” said Cynthia Cox, director of the Kaiser Foundation’s program on the ACA. But there is no reason not to join if you need health insurance. If you take out the coverage and the plan subsidies are then eliminated, there is no risk, she said, that you will have to keep paying premiums if you can’t afford it.
“You might as well have blanket while you can,” Ms Cox said, especially given the risk of illness from the coronavirus. At the very least, legally compliant plans have caps on out-of-pocket expenses, limiting what patients must pay for a hospital stay. There is no guarantee that hospitals will waive the cost of treatment for uninsured patients with Covid-19, meaning people without coverage could face significant medical bills.
Registration open on HealthCare.gov continues until December 15 for coverage that begins January 1 (Some public markets allow registration for much longer periods.) People affected by wildfires, hurricanes or other disasters may benefit from more time.
If you miss the open registration deadline, you will have to wait a year to register unless you have a qualifying change in circumstances, such as losing your health coverage, getting married, or having a baby. .
Here are a few things to know about open enrollment for Obamacare plans.
Where can I get help choosing a plan?
Registration assistance is available, but can be difficult to find in some areas, according to the Kaiser Foundation, as federal funding for trained and self-employed “mariners” is limited. For federal market plans, you can use the “Find Local Help” tool or call 1-800-318-2596.
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