Affordable Care Act
There have been plenty of changes to the how health insurance works in the past year, but special enrollment did not face any major changes in 2018. You can still qualify for a Special Enrollment Period (SEP) in 2019 outside of the Open Enrollment Period (OEP).
Some qualifying events that could trigger a special enrollment period in 2019 include:
Oftentimes, once a Special Enrollment Period is triggered you have 60 days to enroll in a health insurance plan. So if you believe that you’ve experienced a qualifying life event and have triggered a Special Enrollment Period in 2019, then make sure to get on eHealth and start looking for health insurance plans before your enrollment period is up.
If it turns out that you do not qualify for a SEP, it doesn’t mean you have to go all year without any coverage. Even though you won’t be fined in 2019 for not having health insurance, there are still plenty of reasons to get coverage for yourself and any dependents you have.
If you missed the Open Enrollment Period, and also do not qualify for a Special Enrollment Period in 2019, then you still have options outside of typical health insurance plans. For example, if you’re interested in getting coverage to hold you over for some time, short-term health insurance plans are available for individuals to enroll in year-round. Short term coverage often has a fairly quick enrollment and approval process, so you won’t have to go without some kind of health insurance for very long.