The Health Insurance Marketplace open enrollment period is November 1, 2021, through December 15, 2021.
The Affordable Care Act, also known as the health care law, was created to provide more Americans with access to affordable health insurance, improve the quality of health care and health insurance, and reduce health care spending in the U.S.
The Health Insurance Marketplace helps individuals find health coverage. On the Marketplace, some people may be eligible for lower costs on health premiums and out-of-pocket costs based on their income.
VA is committed to ensuring Veterans are aware of the opportunities to meet the health care reform law’s minimum essential standards for coverage either through enrollment with VA or through the purchase of insurance offered by the Health Insurance Marketplace.
Yes. VA will send Veterans and eligible beneficiaries a letter and IRS form 1095B which will provide the details of the health care coverage provided by VA for the previous year. As required by law, VA also will notify the IRS.
Yes. If you are enrolled in any of VA’s programs below, you have coverage under the standards of the health care law:
Enrollment in VA health care means you have:
You may apply in one of three convenient ways: visit www.va.gov/health-care/how-to-apply/, call 1-877-222-VETS (8387) or visit your local VA health care facility.
Yes. You can continue to use VA for all your health care needs, or complement your VA care with private health insurance or coverage by other federal health care programs, including Medicare, Medicaid, and TRICARE.
The Marketplace is a way to shop for and purchase private health insurance (for example, health coverage other than VA health care programs) that fits your budget and meets your needs. People who purchase insurance through the Marketplace may be able to lower the costs of health insurance coverage by paying lower monthly premiums.
Since VA care meets the standard for health care coverage, you wouldn’t be eligible for assistance to lower your cost of health insurance premiums if you chose to purchase additional health care coverage outside of VA. However, you may still purchase private health insurance on or off the Marketplace to complement your VA health care coverage.
VA can’t make this determination. If you use the Marketplace, you will find out if you can get lower costs on your monthly premiums for private health insurance plans. Remember, if you are enrolled in a VA health care program, you don’t need to take additional steps to meet the health coverage requirements under the health care law.
Your family members who are not enrolled in a VA health care program should use the Marketplace to get coverage. They may get lower costs on monthly premiums or out-of-pocket costs. They could be eligible for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). For more information, visit www.healthcare.gov.
Individuals with a qualifying life event can enroll in health coverage or change their coverage outside of the open enrollment period and have it be effective for that coverage year. This is called the Special Enrollment period. Qualifying life events include having a baby or getting married. Visit www.healthcare.gov/coverage-outside-open-enrollment to learn more about these qualifying life events and other circumstances for special enrollment.
Yes; however, acceptance for future VA health care coverage will be based on eligibility factors at the time of application, which may result in a denial of health care coverage.
Yes. Line 61 on Internal Revenue Service Form 1040, Line 38 on the 1040A and various other entries on IRS income tax forms require taxpayers to self-declare whether they had health care coverage in 2020.
For information on VA health care and the Affordable Care Act, visit VA’s website at www.va.gov/health-care/about-affordable-care-act/, or call 1-877-222-VETS (8387), Monday through Friday from 8 a.m. until 8 p.m. Eastern. For information on the Marketplace, visit www.healthcare.gov or call 1-800-318-2596.