1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    There are many IRS qualifying events that allow you to apply for health insurance after  Open Enrollment has expired. You will be eligible for federal subsidies and pre-existing conditions will be covered under this "special" enrollment period (SEP).

    As a health insurance broker with more than 33 years of experience, this topic is very routinely discussed with consumers on a regular basis. 

    Some of the most common "events" include:


    1.    Exceptional circumstances (such as natural disasters and medical emergencies) near the deadline
    2.    Getting married (legally)
    3.    COBRA expiration
    4.    Moving to a new location outside the provider network
    5.    Birth or adoption
    6.    Citizenship change
    7.    Losing existing health benefits
    8.    Turning age 26 and/or no longer covered on parent’s policy
    9.    Misinformation, misrepresentation, or inaction on the part of entities providing formal enrollment assistance
    10.Enrollment errors due to technical issues
    11.System errors related to immigration status
    12.Display errors on marketplace websites
    13.Getting released from jail
    14.Misinformation about availability of premium tax credits for victims of domestic abuse who are married but not filing a joint tax return
     
    Answered on May 9, 2014
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