Marketplace Open Enrollment 2018 | H&R Block

October 24, 2017 : Diamond Lambert

Editor’s Note: The HealthCare Marketplace, otherwise known as “Obamacare” begins open enrollment November 1st 2017. Secure the healthcare coverage you need by visiting the official marketplace. Please remember to indicate your insurance coverage status when filing in 2018. Silent returns are no longer accepted by the IRS.


As summer draws to a close, we’re reminded that the holidays are not too far off. From winter travels to prepping gifts, it’s easy to forget the best possible gift you could give yourself: healthcare.

What are my healthcare options?

If you are currently covered by a Marketplace healthcare plan or are in need of health insurance coverage, this message is for you. Marketplace open enrollment for 2018 begins on November 1, 2017 and remains open until January 31, 2018.

Just a friendly reminder, all active marketplace-sourced healthcare plans will expire on December 31, 2017.

It’s possible you will be automatically enrolled in 2018 coverage if you have an active Marketplace plan by end of year. Unfortunately, this is not the case for everyone. If your present plan is not offered in 2018, you’ll likely be enrolled in something similar with the same insurance carrier.

Be sure to verify these details with your insurance provider.

How will this affect me?

For those already enrolled in an insurance plan, you have the option of changing your selections each year. Take time to review your current coverage and choose a plan that fits your unique budget needs. It also never hurts to capitalize on the maximum tax benefit options within your price range!

Under the Affordable Care Act, most American citizens are required to carry health insurance. If you don’t already have health insurance offered by a primary employer, you may need to select a health insurance plan when Marketplace enrollment re-opens to avoid costly penalties.

Am I eligible for Marketplace insurance options?

A wide range of people have Marketplace insurance eligibility. Here are some of the basic qualifications:

  • You must live in the United States.
  • You must be a U.S. citizen or national (or be lawfully present).
  • You can’t be incarcerated.

Additionally, if you are self-employed or run a small business, you can enroll in a health insurance plan through the Marketplace for individual or group coverage. (Do I qualify? Find out here.)

How do I know if I should enroll in the Marketplace?

There are some cases where you do not need to worry about the upcoming deadline:

  1. If you have health insurance coverage through your employer. When your health insurance coverage is not so ideal, consider enrolling in a Marketplace plan instead. Keep in mind, you will not qualify for the premium tax credit unless you meet specific qualifications.
  2. Members of the military are usually considered covered through TRICARE or are enrolled in a Veterans health care program.
  3. If you are retired and covered by Medicare.

Still have Marketplace open enrollment questions?

Visit and view more Healthcare-related posts on our Tax Information Center blog.

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Diamond Lambert

Diamond Lambert

Diamond Lambert, M.Sc., is a marketing manager within the advertising and brand team. She is a graduate of Franklin University holding a master's degree in marketing and mass communications. Her contributions include a mix of IRS tax news, lifestyle pieces, and consumer information.

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