Individuals purchasing coverage through the Affordable Care Act (ACA) marketplace cannot be denied or charged more for coverage because of a pre-existing condition, including HIV. Those with low to moderate incomes may qualify for federal subsidies to buy a new plan through the marketplace. In some cases, you may pay no premium at all. Open enrollment for 2024 has ended in most states. Some states have slightly different deadlines, click the state finder tool above for more information on health coverage options in your state.
People who lose their job and with it their employer-sponsored insurance, as well as those in other special circumstances (e.g. marriage, divorce, a move, birth of a child), may be allowed to enroll outside of the open enrollment period. If you anticipate a coverage loss, you can apply for special enrollment in the ACA up to 60 days in advance.
Additionally, some people may be eligible for Medicaid. Eligibility is typically determined based on monthly household income, so people completely out of work or losing hours may newly qualify. Enrollment in Medicaid is ongoing throughout the year.
People of all income levels who live in states using the Federally-Facilitated Marketplace and who lose Medicaid coverage starting this year can sign up for a Marketplace plan and enroll until July 31, 2024.