If You Missed the Obamacare Deadline

If you missed the Obamacare deadline, there may still be time for you to get health insurance that starts January 1, 2014.

If you were stuck in Healthcare.gov limbo when the website wasn’t working, officials at the Centers for Medicare and Medicaid Services say they will continue to help you get insurance this week.

This what a spokesperson for CMS sent us on December 24th.

“Our highest priority is making sure that everyone who wants to enroll to have health care coverage by January 1 is able to do so, particularly since consumers had a hard time accessing HealthCare.gov in October and November. As such, we are making sure we can provide information directly to consumers if and when they have questions about their particular situation, and if they are covered as of January 1.

Keyboard and stethescope
Consumers who tried to enroll prior to today (December 24th) and had problems with the system should contact the Marketplace call center for individual assistance.We have developed a robust casework process to address individual inquiries, respond to specific situations, and help consumers transition to new coverage. Consumers will hear directly from their health plan about the date their coverage is effective.
In addition, CMS and health plans are continuing to reach out to consumers who’ve selected a plan to remind them of the final steps they must take to enroll in coverage, such as paying their bill, who to contact if they have questions, and how they can access care.
Consumers who begin the process of selecting a health plan after today (December 24th) will be covered as of February 1.

The call center will  is closed Christmas and will reopen on the 26th. That number is:  1-800-318-2596


1. Use the best browser for your computer.

2. Clear the history, cookies and cache.

3. Make sure your computer will accept cookies. You’ll get a big pop-up window.

4. You may not be able to use a mobile device. Best to stick with a desktop, or laptop if you can.


1. Clear your history, cookies and cache

2. Sign in with a new user name, email and password.

3. If you have a problem this time, check your junk email file for a notice.


If you don’t have a computer at home, there is still time to apply on the phone.  You can call 1-800-318-2596, or you can call that number and find out about local people in your community who are working with others to navigate the system.


It’s best to make your first insurance payment as soon as you can. But some insurers are honoring the Obama administration’s request to extend the payment deadline until January 10, 2014 for insurance that begins January 1, 2014.


Published by

Barbara Nevins Taylor

As the winner of 22 Emmy Awards and a slew of journalism honors and awards, I created ConsumerMojo.com to give you the straight story about complicated stuff. Tell us what you want to know and we'll get you the answers.