How to Buy Health Insurance after Open Enrollment | Medical Mutual
I missed the open enrollment period. how can i get health insurance now?
The open enrollment period for individual and family plans begins on November 1 and ends on January 15. the effective date of a plan may vary depending on the date the application is submitted. in most cases, you will have to wait until the next open enrollment period. however, even after the open enrollment period ends, there are a few ways to get health insurance now.
- through a special enrollment period
- under a short-term medical plan
- through medicaid or the children’s health insurance program (chip)
- losing your health coverage due to a life event
- examples include: getting divorced, losing your job, losing your eligibility for medicaid or chip, or expiration of cobra coverage
- please note: if you voluntarily resign from your health plan or it is canceled because you did not pay your premiums, you are not eligible for a special enrollment period
- get married
- have or adopt a child
- permanent move somewhere with different health insurance options
- expiry of your parent’s health insurance plan
- have a change in income or household status that changes your eligibility for tax credits or cost-sharing reductions
- your plan has been involuntarily canceled by your insurance company
- Short-term plans do not meet the Affordable Care Act requirements for minimum essential coverage.
- They generally don’t cover pre-existing conditions and premiums may be based on your medical history.
- These plans are not guaranteed issue, so your application may be denied.
- Regulations limit short-term plans to 182 and 364 days in length.
Health insurance special enrollment periods generally last 60 days after the date of your qualifying event. During this time, you can purchase health insurance on a public or private exchange. You’ll have the same plan options you’d have during open enrollment, like copay-friendly plans and health savings accounts (HSAs). you may also have options for dental and vision plans.
Be sure to purchase coverage during your special enrollment period. if you miss that period, you will have to wait until the next open enrollment period. however, you can purchase a short-term health plan to cover yourself for a short period of time.
sign up for a short-term medical plan
If you missed the open enrollment deadline and don’t qualify for Medicaid, CHIP, or a special enrollment period, you may want to consider a short-term health plan.
some important things to keep in mind regarding short-term plans:
Despite all this, if available where you live, short-term plans can provide the security of medical coverage and provide protection against unexpected and catastrophic medical emergencies. they’re worth looking into if you can’t buy coverage through a special enrollment period or other means.
coverage under medicaid/chip
Although costs, coverage, and other details may differ from state to state, all states have Medicaid programs to cover a variety of people, including those with lower incomes, people with disabilities, the elderly, women pregnant women, families, and children. The chip was created to cover children from families who don’t meet the income requirements for Medicaid. in some states, pregnant women may be covered by a chip.
Because the medicaid and chip programs can vary from state to state, you should contact your state medicaid agency to see if you qualify and for information on how to apply outside of open enrollment.
Note: You can purchase a stand-alone dental or vision insurance plan outside of open enrollment.
special enrollment periods and qualifying life events
Certain life events qualify you for a special enrollment period. A special enrollment period is a period of time (usually 60 days) during which you can shop for a health plan, even if it’s outside of the normal open enrollment period. events that trigger a special enrollment period are called qualifying life events.
qualifying life events include: