Have you wondered what happens if I don't enroll during Open Enrollment 2018? Are there any special circumstances where I can get health insurance after Open Enrollment?

The answer is yes. Yes, you can get health insurance outside of Open Enrollment but only if you qualify. This is called a SEP or Special Enrollment Period.

Here is how you qualify for a Special Enrollment Period:

Changes in household

You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:

  • Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
  • Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
  • Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
  • Death. You’ll be eligible for a Special Enrollment Period if someone on your Marketplace plan dies and as a result you’re no longer eligible for your current health plan.

Changes in residence

Household moves that qualify you for a Special Enrollment Period:

  • Moving to a new home in a new ZIP code or county
  • Moving to the U.S. from a foreign country or United States territory
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they both live and work
  • Moving to or from a shelter or other transitional housing


 

 

 

Contact Cosmo 

 

Posted 8:31 AM  View Comments

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