Updated 7/31/2023
Friday Health Plan is no longer enrolling individuals and families into their Affordable Care Act (ACA) health plans. States have taken steps to protect the health coverage of their residents who are enrolled in Friday Health Plans, which covers more than 300,000 individuals and families in:
- Colorado
- Georgia
- Nevada
- North Carolina
- Oklahoma
What should l do if I am currently enrolled in a Friday Health Plan?
Each state has provided information to consumers on what to do, which is covered below. Information about applying for an ACA SEP due to loss of health coverage are provided after the state-specific instructions.
Colorado
If you live in Colorado, the Division of Insurance is closely watching the situation. At the time this blog was published, the Division instructed Friday Health Plan (FHP-CO) members:
-
- To continue to pay the monthly premium and access care according to plan rules through the end of the year. In other words, nothing changes.
- Pick a new plan from a different company for your 2024 health coverage during the standard Open Enrollment period, which begins November 1, 2023.
If FHP-CO cannot make it until the end of the year, the Colorado Life and Health Protection Association would step in to help members cover medical costs up to $500,000 each. Watch your email or mail for updates, or visit the Division’s website for consumer advisories.
Georgia
Residents of Georgia who purchased Friday Health Plans (FHP-GA) must choose a health plan from another insurer in your coverage area by July 31 to avoid a gap in coverage. You will still have coverage through your FHP-GA plan through July.
A website has been set up to provide instructions on what you need to do. The table below provides the dates you need to be aware of.
| Important 2023 Dates for Georgia ACA SEP for Friday Health Members (FHP-GA) | |
| June 1 | Special Enrollment Period (SEP) began |
| July 31 | Last day to enroll in an ACA plan without experiencing a gap in coverage |
| August 1 | All Friday Health plan policies are terminated |
| September 29 | The SEP ends |
Nevada
The Nevada Division of Insurance announced that coverage for members of Friday Health Plans of Nevada (FHP-N) will end at midnight on August 31, 2023. Members enrolled in a FHP-N plan must enroll in a new health plan by August 31 to avoid a gap in coverage.
The special enrollment period (SEP) through NevadaHealthLink.com is open now through October 31, 2023. , for any Nevadans who lost health insurance through Friday Health Plans either on or off the marketplace. Visit NevadaHealthLink for more information.
Here are the SEP dates to be aware of.
|
Important 2023 Dates for Nevada ACA SEP for Friday Health Members (FHP-N) |
|
|
July 25 |
Special Enrollment Period (SEP) began |
|
August 31 |
Last day to enroll in an ACA plan without experiencing a gap in coverage |
|
August 31 |
Friday Health Plans of Nevada coverage ends |
|
October 31 |
Last day of the SEP |
|
November 1 |
Open enrollment period begins for 2024 health coverage |
North Carolina
If you live in North Carolina and purchased a Friday Health Plan (FHP-NC) through the federally facilitated exchange, your coverage will end at 11:59 p.m. on August 31. You will still have health insurance coverage through August.
You are eligible for an ACA special enrollment period (SEP) to enroll in a different health plan through the exchange that will cover you through the end of the year. Here are the SEP dates you need to be aware of.
| Important 2023 Dates for North Carolina ACA SEP for Friday Health Members (FHP-NC) | |
| July 2 | Special Enrollment Period (SEP) began |
| August 31 | Last day to enroll in an ACA plan without experiencing a gap in coverage |
| August 31 | All Friday Health plan policies are terminated |
| October 30 | The SEP ends |
It is important to pick a plan by August 31, 2023 so you do not have a gap in health coverage. During that coverage gap, you would have to pay all costs for the care you receive.
Visit the North Carolina Insurance Department’s website to learn more.
Oklahoma
If you live in Oklahoma and purchased a Friday Health Plan (FHP-OK), your health coverage ends on August 31. You need to pick a new plan to cover you for the rest of 2023 during a special enrollment period (SEP).
Here are the dates you need to know.
|
Important 2023 Dates for Oklahoma ACA SEP for Friday Health Members (FHP-OK) |
|
|
July 2 |
Special Enrollment Period (SEP) began |
|
August 31 |
Last day to enroll in an ACA plan without experiencing a gap in coverage |
|
August 31 |
All Friday Health plan policies are terminated |
|
October 30 |
The SEP ends |
Enroll in a new plan by August 31, 2023 to prevent a gap in coverage. During that coverage gap, you would have to pay all costs for the care you receive.
Check the Oklahoma Insurance Department’s website for updates.
How to Apply for a New Health Plan During the ACA SEP
You can work with navigators, independent, licensed insurance agents, or captive agents at specific health insurers to enroll in a new plan.
- Navigators can help you find a plan, but cannot recommend a plan that fits your unique needs or help you with questions or issues after you are enrolled.
- Captive agents work for one insurance company, so they only sell plans from that insurer.
- Independent agents work with several insurers, so they can compare many plans offered by different insurers in your area. Independent agents will also be available to answer your insurance-related questions all year long.
Proof of Coverage Loss
Regardless of how you enroll, you will need to provide proof that you lost coverage. Click here to see what documents you can submit as proof. But not all agents are the same.
American Exchange Can Help You Enroll in an ACA Plan During an ACA SEP
American Exchange has licensed, independent agents who will listen to your healthcare and lifestyle needs to help you find the best plan for your individual or family health and budgetary needs. We also make sure you get all available tax credits.
Read our blog, Subsidies Help Lower Your ACA Health Plan Costs, to learn more about tax credits.
Call: 1.888.995.1674 Email: enroll@americanexchange.com
Visit our ACA insurance for individuals and families web page.
You may also be interested in reading:
- Your Family Could Qualify for ACA Health Plan Subsidies Even if You’re Working blog
- Do You Qualify for an ACA Special Enrollment Period? blog
- Health Insurance for Your College Student blog
- Health Insurance Terms pdf
- Understanding ACA Metal Plans pdf
American Exchange is a licensed health insurance broker. Robert Huffaker, NPN 13568432
Photo courtesy of iStock
