You Missed Open Enrollment. Now what?

You Missed Open Enrollment. Now what?

Missed Open Enrollment

It happens all the time — you meant to change your health plan but never got around to it and — oh no, it’s too late! The deadline passed. Is there still a way you can get health insurance now?

Good news — you’ve come to the right place!

In most cases, you would need to wait until the next Open Enrollment on November 1st, 2021 to change or enroll in a new health insurance plan. However, there are special cases in which you can still get coverage:

Special Enrollment Periods and Qualifying Life Events

Specific life events may qualify you for a special enrollment period during which you can buy a health plan even if it’s outside the normal open enrollment period. Qualifying events may include:

  • losing your health coverage through a life event such as divorce, job termination, no longer eligible for Medicaid or expiring COBRA coverage. 
  • Other qualifying events may include getting married, having or adopting a child, or your plan being involuntarily canceled by your insurance company.

Special Enrollment periods generally last 60 days after the date of your qualifying event. 

Another way our team of agents can help you is enrolling you in a short term medical plan. Short Term Medical Plans provide security against unexpected healthcare emergencies while waiting for Open Enrollment to come around. The plans are limited to 364 days in duration and always available in every state, however, this could be a viable option to provide your family the protection they need if unable to qualify for a special enrollment period.

Questions? Ready to shop? Give us a call — our agents are ready and waiting to help you!

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