Individual and Family
Whether you’re buying it for your family or just yourself, it’s essential that you jump through all the necessary hoops when purchasing health insurance. That starts with buying health insurance at the right time—the Open Enrollment Period.
Under the Patient Protection and Affordable Care Act, most people are required to get their insurance during the Open Enrollment Period, which typically comes at the end of each year. If you have a qualifying life event, you may be eligible for a special enrollment period outside of the ordinary OEP. Keep reading to see what counts as a qualifying life event (QLE), and watch this video to get an overview of QLEs and special enrollment periods.
If you find yourself suddenly without health insurance, there is a good chance that you’ve experienced a qualifying life event that could trigger a special enrollment period. Some of the reasons for loss of coverage that usually count as qualifying life events include:
If you find yourself suddenly without health insurance, make sure to find out if you qualify for a special enrollment period. Loss of coverage for various reasons will often trigger a special enrollment period, except for when it’s due to loss of coverage.
In addition to developments that directly cause you to lose coverage, there are events within your household that affect the amount of coverage you must buy and how much you have to pay for it. These include:
Whenever your household changes, think about how that change will affect your health insurance. It’s likely that major events in your household—like gaining or losing a member—will result in a special enrollment.
Health insurance regulations and availability vary from state to state and even from county to county. Thus if you move anywhere in a different county or with a different zip code, you’ll probably be able to count this change as a qualifying life event. You can also qualify for special enrollment if you’re a seasonal worker moving between your permanent home and your work, a student moving between school and home, or someone moving in or out of transitional housing.
Some more qualifying life events include:
Whether you experience any of these qualifying life events or are signing up during the open enrollment period, eHealth is committed to helping you get the coverage you need at a price you can afford. For more information on health insurance laws and options, visit our website today.