Health Insurance Frequently Asked Questions

I need health insurance. Why can’t I enroll at any time during the year?

Due to the passage of the ACA (Obama Care), individuals and families (known as “non-groups”), can only purchase health insurance during the open enrollment period. This past year the enrollment period was between November 1st – January 23rd.

Are there any exceptions?

Yes, there are exceptions. If you have experienced a “qualifying event,” you may be able to get health insurance outside of the designated open enrollment period.

Define “qualifying events.”

If you’ve lost health coverage within the last 60 days because you:

  1. Lost your job and coverage from your employer’s plan and you do not qualify for another employer’s plan or government-subsidized plan.
  2. Became ineligible for your government-subsidized plan and do not have other coverage.
  3. Have a subscriber who exhausted all COBRA benefits, and the coverage is ending or already ended within the past 60 days.
  4. Moved into the state within the last 60 days.
  5. Have a primary subscriber who became Medicare-eligible, but you are not eligible for Medicare.
  6. Married within the last 60 days.
  7. Divorced within the last 60 days.
  8. Adopted a child within the past 60 days.
  9. Birthed a child within the past 60 days.
  10. Have a primary subscriber who passed away within the past 60 days.
  11. Are a child who turns 19 and no longer qualify for a child-only plan.
  12. Have a former employer who stopped contributing to your COBRA coverage within the past 60 days.

Do businesses and those who are self-employed have to sign up during open enrollment as well?

No. Businesses and self-employed people can still get health insurance at any time during the year.

I am self-employed/a business owner. Do I have to wait until my annual renewal period to switch my plan to another provider?

No. Businesses and self-employed people can change to another healthcare provider at any time.

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