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If the word is change why would you change from Medicaid where you have no premium to a private carrier that does. I hear not all States but my State Medicaid covers, health, prescriptions, dental and vision. To go private you will have to pay individually for each one of these unless you pick a Medicare Advantage. And with that comes a premium. If no premium, you have copays that can mount up if you see a doctor a lot or in the hospital alot.

If you are looking for the 92 year old you care for, Medicare should be her primary, which pays 80% of her Medical costs. Medicaid would be her secondary paying the other 20%.

I suggest you call her County Office of Aging. They should be able to help you sort out the pros and cons. I found this concerning open enrollment:

"The federal government has declared a Special Enrollment Period (SEP) that re-opens the Affordable Care Act (ACA) marketplace through August 15, 2021.
The 2021 Open Enrollment Period (OEP) began November 1, 2020, and ended December 15, 2020, in most states."
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Can you please clarify your question? What are you seeking to charge? Or do you mean "change" and not "charge"? If so you will need to wait for open enrollment to begin in the fall. In some cases, they might qualify for what's known as a “special enrollment period" but you need to check with this person's home state to know what the special circumstances would be.
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