If you missed the Open Enrollment deadline to purchase health insurance, you may have another chance to get covered. Outside of Open Enrollment, you can only obtain major medical health insurance if you qualify for a Special Enrollment Period, which is granted for specific Qualifying Life Events.
What is a Qualifying Life Event?
If you experience a major life change, you may be able to enroll in a major medical health plan outside of Open Enrollment. The new health care law outlines several life changes that make a person eligible for a Special Enrollment Period:
1. Getting married
2. Having or adopting a baby
3. Getting divorced
4. Lost coverage
5. Change in income
6. Errors with original enrollment
7. Gained citizenship
8. Lost student health insurance
9. Aged off of a parent’s plan
At what other times can I enroll?
In addition to Qualifying Life Events, there are some complex cases that may give you the opportunity to buy a major medical health plan outside of Open Enrollment. Check out the full list of such cases to see if you qualify under these circumstances.
Although many situations make you eligible for a Special Enrollment Period, voluntary termination of a health plan due to missing premium payments or losing coverage that is not minimal essential coverage is not considered a loss of coverage.
How do I get started?
A Special Enrollment Period for a Qualifying Life Event typically lasts 60 days from the date of the event. If you think you might qualify, GoHealth licensed insurance advisors can determine your eligibility for a Special Enrollment Period and help you find a health plan. Call (888) 322-7557 to speak directly with an advisor, or start shopping online.