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California health insurance    Covered California Questions    Missed Open enrollment deadline
 

What if you missed the health insurance deadline?

 

After Jan 31st, we get many frantic emails and calls.

I missed the deadline for enrollment...now what?

The concern is real.

First, who wants to pay 2.5% of their income to the IRS as a penalty.

Answer: nobody!

Also, there's the little issue of not having health insurance in case something big comes up.

We get calls weekly where someone is paying off a $20K bill to a hospital.

Enough of the theatrics. We're here to help you navigate the market.

What can we do if we missed the deadline?


Two options available if you missed the deadline.

First, a quick recap.

The Open Enrollment typically runs each year from November 1st to the following Jan 31st.


 

There may be special windows such as around tax time for limited re-opening of the market but we can't count on these.

Otherwise, we have to wait till Nov 1st unless we qualify for a SEP


California student health insuranceSEP - Special Enrollment Periods

As part of the ACA (Affordable Care Act), there are certain triggers that allow people to enroll if they missed the Open Enrollment window

These generally revolve around large life changes.

The most common triggers are:

  1. Involuntary loss of coverage such as employer sponsored health plans
  2. Move to/within California that results in different health plan options
  3. Household changes - marriage, divorce, birth, deaths, additions, etc
  4. Changes in legal status

There are some other less common triggers but we can help you take advantage of your changes.

We'll also see if you qualify for the very generous tax credits available. We can generally cut the time to calculate this from 45 minutes down to 5

Call us at 800-320-6269 to enroll with your life changes. Our services are free as Certified Covered California agents.

Eligible effective dates with SEP's

If you've missed the open enrollment deadline and are using an SEP to enroll, there are rules for the possible effective date.

  1. If you are losing coverage, we can enroll for the following 1st of the month
  2. For other qualifiers, we need to enroll by the 15th of the prior month to the get the next 1st of the month.

Otherwise, we'll get the next 1st after.

 

We need to complete enrollment within 60 days of the qualifying event (loss of coverage for example).

Don't delay or we can miss the Special Enrollment Period altogether!

Enrollment takes 5 minutes over the phone at 800-320-6269.

What if you do not have a big life change and missed the insurance enrollment window?

Our backup option.


Short term interim coverage for people who missed open enrollment deadline

We now have a new option to carry you out to the next Open Enrollment period (or SEP).

It's interim coverage with IHC and Anthem Blue Cross.

 

Quote and/or enroll with IHC and Anthem Blue Cross Short Term coverage HERE

Some quick notes on the coverage

  1. Costs can be much lower on the short term plan compared to ACA plans
  2. The coverage does not help you avoid the penalty for not having coverage
  3. You can pay monthly or pre-pay a period of time for a discount
  4. Coverage can start as of midnight following app submittal
  5. This plan can carry you out to open enrollment start

This is a great option for people who missed the deadline and do not want to go uninsured.

It's a simplified issue policy which means that if we can answer "no" to the health questions, we should qualify.

We have been waiting for a good short term bridge plan option for years now.

Having Anthem Blue Cross offer this policy through IHC fills a definite need in the market.

Again, the quote and enrollment option is completely online. Quote here.


Recap if you have missed the open enrollment deadline

First, look to see if you qualify for a SEP. We can help you with the rules on this.

Secondly, you can get a short term plan to cover you till Open Enrollment or your next coverage.

Call 800-320-6269 for any questions on which option is best for your situation. Our services are free to you!

You can run your Health Plan Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

Our Services are FREE to You!

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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.

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