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You May Still Qualify for Health Insurance Learn About Special Enrollment and Compare Plans Now!

Special Enrollment Period

If you have experienced a life event (listed below), you may qualify to enroll in an Obamacare/ACA plan during the Special Enrollment period. The Special Enrollment period lasts for 60 days after you have experienced a life event.

You likely have a qualifying life event, if you:

  • Lost your health coverage in the past 60 days or expect to lose it in the next 60 days.
  • Got a divorce.
  • Got married.
  • Had a baby.
  • Adopted a child or are a new foster parent.
  • Moved outside your current plan’s service area.
  • Had a death in your household.
  • Had a change in household income.
  • Became a U.S. citizen.
  • Were hospitalized for a prolonged illness.
  • Suffered a temporary cognitive disability.
  • Were released from a prison or a detention facility.
  • Were a victim of a natural disaster.
  • Experienced an error made by an insurer, insurance agent, or government entity during your enrollment.

The Special Enrollment Period typically lasts for 60 days, beginning on the first day of your qualifying life event. . In some cases, it is possible to enroll up to 60 days before the event occurs, like if you know you are moving. If you do not enroll within 60 days of your life event occurring, you may not be able to enroll in a plan until the next Open Enrollment period, and you may have to pay the tax penalty for not having an ACA qualified health insurance plan.

Please note: If you purchased a plan during the Special Enrollment Period, you must enroll again during Open Enrollment, even if you plan to renew the same plan for the following year. You can easily renew your plan during this time if you wish to keep your particular plan.

You do not need to wait until Open Enrollment to purchase a short-term, limited indemnity, or critical illness plan. However, because these types of plans do not meet ACA requirements, you may have to pay the tax penalty for not having a traditional health insurance plan.

If you are unsure about whether you are eligible for Special Enrollment, please submit your zip code to begin checking your options. You can also call (877) 935-9291 to speak with an agent.

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