So what happens if you missed the Open Enrollment Window to enroll in Covered California but you still need health insurance?
Is there some kind of short term or temporary health insurance that can be purchased off the Exchange to take you out to the next open enrollment window?
The answer is yes but there are some caveats to look at.
First, the basic rules on open enrollment and SEP's (Special Enrollment Periods).
You can always run your ACA quote here:
The official open enrollment window to enroll in an individual family California health plan generally ends Jan 31st of a given year officially (with a few extensions towards the end).
The Open Enrollment will re-open at the end of each year for the next year.
People eligible for Medi-cal (based on income) can enroll any time during the year.
There are certain triggers or life events that allow people to enroll between open enrollment windows.
These are the most common ones:
That's where Short term comes into play.
Short term health insurance for California residents
UPDATE: California banned all short term health insurance plans eff 9/1/2018.
Information below is for States that still have short term health carrier options.
Check out our comprehensive guide to Short term health insurance in California here.
Here are key attributes:
There's one more important consideration to look at.
If you have Short Term health insurance, you want to choose an ACA compliant plan to avoid the penalty.
This is the penalty for not having health insurance. This penalty is scheduled to increase in the out years.
Important Update: The tax penalty goes away 2019 and beyond.
The short term health insurances might not be ACA compliant which means that they do not meet all the requirements set forth by the law.
One other important note...the penalty is pro-rated for the # of month's that you actually do not have qualified health insurance.
This consideration of the penalty hinges on your income to some extent. 2% of $50K is $1000 which is a fair amount of money to pay in penalty.
Recommendations if you need health insurance outside of Open Enrollment
Call us so that we can go through your situation and see if there are any SEP's we can take advantage of in order to get you coverage.
We can go through the pro's and con's of short term health insurance including the penalty concern.
You can quickly delegate us as the agent and we can then go through find out where the issues are in your entered information.
In five minutes, we can save you hours of
frustration and potentially a great deal of
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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