Annual open enrollment period is over but you may still able to enroll on plan when you have a health insurance Qualifying Life Event.
Eligible people can take advantage of a health insurance qualifying life event to modify or elect new coverage. It is like an open enrollment for the whole family.
Here are some circumstances that may allow you to still enroll:
1. Loss of health insurance coverage
If you lose your:
• job-based coverage
• COBRA coverage
• individual health coverage for a plan or policy you bought yourself
• eligibility for Medicaid or CHIP
• eligibility for Medicare
• coverage through a family member
2. Changes in household size
If you or anyone in your household in the past 60 days have these types of health insurance qualifying life event:
• Got married. Pick a plan by the last day of the month so your coverage can start the first day of the next month.
• Had a baby, adopted a child, or placed a child for foster care. Hence, your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
• Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
• Death. You’ll be eligible for a Special Enrollment Period if someone on your Health Insurance Marketplace plan dies and as a result you’re no longer eligible for your current health plan.
3. Changes in residence
• First of all, moving to a new home in a new ZIP code or county
• Moving to the U.S. from a foreign country or United States territory
• A student moving to or from the place they attend school
• A seasonal worker moving to or from the place they both live and work
Lastly, moving to or from a shelter or other transitional housing
4. More qualifying changes:
• Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP)
• Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
• Becoming newly eligible for Marketplace coverage because you became a U.S. citizen
• Leaving incarceration
• AmeriCorps VISTA members starting or ending their service
Get Help
If you have any questions about your health coverage or if you still qualify to enroll after Open Enrollment, give us a call at 503-928-6918 – Health Plans In Oregon. We’re local, independent and licensed agent in who assists Oregonians at no cost since 2006.
Watch this short video to learn more!
