If you miss the deadline, you may have to wait until the next Open Enrollment period unless you qualify for Special Enrollment. That’s why it’s important to act before January 15. Pineapple Healthcare’s case managers can help you apply early and stay covered.

Yes! You may still qualify for coverage using other documents like an ITIN (Individual Taxpayer Identification Number) or certain immigration documents. Our team can help you explore your options and guide you through the application process.

Your eligibility for savings depends on your household income and size. The Health Insurance Marketplace offers premium tax credits that can lower your monthly payments — sometimes even down to $0. Pineapple Healthcare’s case managers can help you check your eligibility and apply for these credits on HealthCare.gov.

If your income goes up or down during the year, you should report the change right away. This keeps your monthly payments accurate and helps you avoid surprise tax bills later. If you don’t report changes, you may owe money when you file your taxes.

Most medical plans don’t automatically include dental or vision, but you can add them for extra coverage. Dental plans usually cover cleanings and fillings, while vision plans help with eye exams, glasses, and contacts. Pineapple can connect you with affordable add-on options through MyPride Life.

• HMO (Health Maintenance Organization): Lowest cost, but you must see doctors within the network and get referrals for specialists.

• PPO (Preferred Provider Organization): More flexible — see any doctor you want, even out-of-network, but costs more.

• EPO (Exclusive Provider Organization): Middle ground — no referrals needed, but you must stay in-network. Our team can help you pick the right fit for your lifestyle and budget.

If your income was higher than what you reported, you might have to pay back some of the assistance (called premium tax credits). If it was lower, you could get more back at tax time. Keeping your income information updated ensures you get the right amount of help throughout the year.

You’ll need:

• Proof of identity (ID or passport)

• Proof of income (recent pay stubs or tax return)

• Proof of residency (utility bill or lease)

• SSN or ITIN (if applicable)

• Immigration documents (if not a U.S. citizen) Having these ready speeds up your application and helps avoid delays.