FAQ

The Affordable Care law, enacted in January 2014, helps US residents to obtain health insurance at low prices regardless of their income or medical history.

Anyone can use the Health Insurance Marketplace to explore their health coverage options, even if they already have insurance.

The Open Enrollment Period usually runs between November 1 and December 15. During that period, you can enroll, change or renew your plan.

The information you provided in your application - as an estimate of your income, your citizenship or immigration status or other information - does not match our records.

Coverage for 2019 begins on January 1, 2019: for those who sign up or change plans by December 15.

You will need to provide details about your home, your income and any coverage you currently have.

You can fill out a Marketplace application at any time of the year. If it looks like you may qualify for Medicaid or CHIP, we will send your information to your state agency. They will contact you about your registration.

Life insurance is a very important part of family planning to ensure your children, spouse, parents, or any other relative’s financial protection in case you died. But even if you don’t have any relatives depending on your income, our living benefits are a good reason for you to consider life insurance. With our living benefits you can request a part of your death benefit while you’re still alive in case of being diagnosed with a critical, chronical or terminal illness; to help you pay your treatment or cover daily living expenses.