After Jan, we get many frantic emails and calls.
The concern is real.
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.
You can jump to one of the three main options available here:
Enough of the theatrics. We're here to help you navigate the market.
What can we do if we missed the deadline?
First, a quick recap.
There may be special windows such as around tax time for limited re-opening of the market but we can't count on these.
These restrictions apply to both off-exchange (direct to carrier) and on-exchange (Covered California plans).
Medi-cal may be available year round if you qualify based on income.
Otherwise, we have to wait till Nov 1st (with Jan 1st eff date) unless we qualify for a SEP
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:
There are some other less common triggers but we can help you take advantage of your changes.
You can quote Covered Ca with Tax Credits here if you have a SEP:
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
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.
Otherwise, we'll get the next 1st after.
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.
We used to have an option to carry you out to the next Open Enrollment period (or SEP).
It was interim coverage with IHC and sponsored by Anthem Blue Cross.
UPDATE: California banned all short term health insurance plans eff 9/1/2018.
Some quick notes on the previous IHC coverage
This was a great option (maybe the only 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 sponsor this policy through IHC fills a definite need in the market.
Quote short term health here until Open Enrollment:
This is the new kid on the block but not for long.
That's an impressive entry to the market.
Here's why Health Sharing will probably be the popular route outside of Open Enrollment.
Make sure to learn about how it works below since it is new to most people.
You can find out more about the best option, OneShare here.
You can quote and enroll for OneShare here.
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!
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!