Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
You can only apply for health insurance outside of the annual enrollment period if you qualify for a special enrollment period (SEP). This goes for health plans both on and off the health insurance exchanges.
To qualify for a special enrollment period, you must have a "life-changing event." Qualifying events include:
1) Getting married
2) Having a child
3) Adopting a child
4) Fostering a child
5) Moving out of your current coverage's service area
6) Losing your existing health insurance under certain conditions including:
7) Loss of group coverage through your employer
8) Your COBRA coverage expired
9) You get divorced
10) You come off your parent's group coverage
11) Your plan was terminated by the carrier
12) You lose your Medicaid eligibility, CHIP eligibility, or similar situation
13) Becoming a U.S. citizen
14) Leaving incarceration
15) Becoming a member of an indian tribe: those in a federally recognized tribe can apply for new coverage/make changes to their existing coverage once a month throughout the year
Please note, voluntarily terminating your existing coverage or your coverage was terminated by the carrier because you didn't pay your premiums are NOT considered qualifying events for a special enrollment period.
Please let me know if I can be of further assistance. Thanks very much.
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A qualifying event are situations that allows you to apply for health insurance after Open Enrollment has ended. Your acceptance is virtually guaranteed. As a broker with more than 33 years of health insurance experience, these are the types of situations I handle on a daily basis.
A list of the most common examples are listed below: (I have simplified the list and definitions for you)
Involuntary loss of minimum essential coverage because of a job loss (voluntarily terminating coverage or policies that are cancelled for non-premium payment are not qualifying events)
Change of family structure (i.e. marriage, divorce, death, birth of child)
Gaining citizenship or permanent resident status
Becoming newly eligible for a premium or cost sharing subsidy (generally results from mid-year income changes, but there are other examples)
Becoming ineligible for a premium or cost sharing subsidy (generally results from mid-year income changes)
Change of residential address that results in new health plan options available
Did not enroll during the open enrollment period because of a mistake, misrepresentation or inaction of an officer, employee or agent of the Health Insurance Exchange Marketplace.
The insurance company substantially violated a material provision of its health insurance contract
The individual is a member of an American Indian Tribe (can enroll or make a plan change one time per month)
The individual can demonstrate to the Health Insurance Marketplace that he/she has other extenuating circumstances that qualify him/her for special enrollment.
You may visit my websites for additional specific information including rates.
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To qualify for a special enrollment period, you must have a "life-changing event." Qualifying events include:
1) Getting married
2) Having a child
3) Adopting a child
4) Fostering a child
5) Moving out of your current coverage's service area
6) Losing your existing health insurance under certain conditions including:
7) Loss of group coverage through your employer
8) Your COBRA coverage expired
9) You get divorced
10) You come off your parent's group coverage
11) Your plan was terminated by the carrier
12) You lose your Medicaid eligibility, CHIP eligibility, or similar situation
13) Becoming a U.S. citizen
14) Leaving incarceration
15) Becoming a member of an indian tribe: those in a federally recognized tribe can apply for new coverage/make changes to their existing coverage once a month throughout the year
Please note, voluntarily terminating your existing coverage or your coverage was terminated by the carrier because you didn't pay your premiums are NOT considered qualifying events for a special enrollment period.
Please let me know if I can be of further assistance. Thanks very much.
A list of the most common examples are listed below: (I have simplified the list and definitions for you)
Involuntary loss of minimum essential coverage because of a job loss (voluntarily terminating coverage or policies that are cancelled for non-premium payment are not qualifying events)
Change of family structure (i.e. marriage, divorce, death, birth of child)
Gaining citizenship or permanent resident status
Becoming newly eligible for a premium or cost sharing subsidy (generally results from mid-year income changes, but there are other examples)
Becoming ineligible for a premium or cost sharing subsidy (generally results from mid-year income changes)
Change of residential address that results in new health plan options available
Did not enroll during the open enrollment period because of a mistake, misrepresentation or inaction of an officer, employee or agent of the Health Insurance Exchange Marketplace.
The insurance company substantially violated a material provision of its health insurance contract
The individual is a member of an American Indian Tribe (can enroll or make a plan change one time per month)
The individual can demonstrate to the Health Insurance Marketplace that he/she has other extenuating circumstances that qualify him/her for special enrollment.
You may visit my websites for additional specific information including rates.