众所周知，始于欧巴马总统的全美医保（ Affordable Care Act ），是联邦政府资助全民性医保，对于中、低收入的家庭，联邦政府作了大量补贴。尤其是低收入家庭，付极低的保费，甚至不用付费就可以得到一份福利不错的保险：对于联邦政府，通过给受保人补贴保费，把健保风险转移给保险公司；对于保险公司而言，接受更广大的人口保险而分摊稀释了风险，可谓是一种三赢的结构。尤其在目前新冠疫情中，这对于整个国家乃至家庭都有重要意义。希望广大华人同胞把握这次机会。
2021 Special Enrollment Period in response tothe COVID-19 Emergency
Jan 28, 2021
The coronavirus disease 2019 (COVID-19)national emergency has presented unprecedented challenges for the Americanpublic. Millions of Americans are facinguncertainty and millions of Americans are experiencing new health problemsduring the pandemic. Due to theexceptional circumstances and rapidly changing Public Health Emergency (PHE)impacting millions of people throughout the US every day, many Americans remainuninsured or underinsured and still need affordable health coverage. Inaccordance with the Executive Order issued today by President Biden, theCenters for Medicare & Medicaid Services (CMS) determined that the COVID-19emergency presents exceptional circumstances for consumers in accessing healthinsurance and will provide a Special Enrollment Period (SEP) for individualsand families to apply and enroll in the coverage they need. This SEP will beavailable to consumers in the 36 states served by Marketplaces that use theHealthCare.gov platform, and CMS will conduct outreach activities to encouragethose who are eligible to enroll in health coverage. CMS strongly encouragesstates operating their own Marketplace platforms to make a similar enrollmentopportunity available to consumers in their states.
Starting on February 15, 2021 and continuingthrough May 15, 2021, Marketplaces using the HealthCare.gov platform willoperationalize functionality to make a SEP available to allMarketplace-eligible consumers who are submitting a new application or updatingan existing application. These consumers will newly be able to access the SEPthrough a variety of channels: through HealthCare.gov directly, the Marketplacecall center, or direct enrollment channels. Additionally, consumers can work with a network of over 50,000 agentsand brokers who are registered with the Marketplace, along with over 8,000trained assisters, ready to assist consumers with their application forcoverage.