Affordable Care Act
The Affordable Care Act (ACA or “Obamacare”) allows you and your family to sign up for health insurance outside of Obamacare’s open enrollment period if you experience certain qualifying life events.
Such qualifying life events include marriage, childbirth, and other major happenings. In most cases, you have 60 days after the date that triggered the qualifying life event to purchase major medical individual or family health insurance coverage. This 60-day period is sometimes referred to as you special enrollment period.
Qualifying life events that allow you to register for health insurance outside of open enrollment include, but are not limited to, the following:
A June 2014 analysis of eHealth shoppers identified the following as the top qualifying life events reported by customers:
|Loss of health coverage||49%|
|Marriage or divorce||6%|
|Birth or adoption of a child||3%|
Experiencing any of the qualifying life events listed above may allow you to purchase health insurance coverage on your own outside of open enrollment.
If you experience a qualifying life event, you can compare options and enroll in coverage through a licensed online health insurance agent like eHealth.