If you buy your own health insurance, the only open enrollment period for 2019 is from November 1, 2018 to December 15th. After this time you cannot buy individual health insurance from the ACA Marketplace without a qualifying special event.
Trump is still promoting repeal of the ACA program ASAP. If that happens most likely it will protect all plans in place until the end of 2020. If not, there would be catastrophic impacts on the health marketplace.
Reasons to still buy this year even in face of repeal by Trump:
1) If you have pre-existing conditions, you may be heavily penalized going forward when buying a new plan. If you buy now and maintain coverage you may be granted grandfather status with more reasonable rates next year.
2) This is probably going to be the last year with all the included benefits we have now at the rates this year especially if you receive a subsidy. The only way to reduce rates is to reduce benefits. There is no magic money machine to do it any other way.
3) Great reason to catch up on all postponed health care while we still have insurance. Your costs will most likely be higher in the coming years.
Don’t miss out. You never know when you can get a major illness or have an accident. Protect your financial risk. Buy health insurance.