How to Get Health Insurance if You Missed the Enrollment Deadline

Medical

If you made it through the holiday season and now realize that the deadline for open enrollment for health insurance has passed, you may still be able to sign up. The Federal government chopped a few weeks off last year’s enrollment deadline, so they are making some exceptions. The first thing you need to know is that while you may be able to get on a health insurance plan at this late date, that doesn’t mean you will be able to use the plan as one is deemed to be qualifying health coverage under the Affordable Care Act. In other words, it may cost you money at the end of the year.

Any plans that are available from private health insurers from the www.healthcare.gov website will meet the criteria for a qualifying plan. First, you must meet the Special Enrollment Period test requirements. Begin by going to www.healthcare.gov and clicking on the button that says “See if I can enroll.” You will have three options to choose from. If you qualify for Medicaid or CHIP federal programs, you should be able to get health coverage by filing at your local office. You select the third option to begin the process of filing for coverage once you pass the Special Enrollment Period test.

The next screen you will see is a warning that because you complete the questionnaire or the questionnaire results show you may be eligible to use the Special Enrollment Period, there is no guarantee you will be accepted. But passing the test means you are still in the running for health care coverage. Though the exact combination of “Yes” answers to the questions that you is unknown, the more “Yes” answers you select, the more likely it is you will qualify. There is no need to misrepresent any information since your answers will be checked once you begin the application process.

The questions are simple and straightforward. If you have been denied coverage from Medicaid or CHIP, have lost your coverage in the last 60 days, or are a member of an American Indian tribe recognized by the federal government, check the relevant “Yes” buttons. The second group of criteria involves anyone who is currently a member of your household. Be sure to answer the questions as “Yes” if it applies to anyone living with you.

Basically, if the number of people who live with you has increased or decreased, you will answer “Yes” to at least one question. If you moved or had a significant change in the amount of money you make, that is another “Yes” to be checked off. Finally, if you recently joined the society as an immigrant or been released from a correctional facility, that is another “Yes” box to be checked. If you are still in the running after clicking on the green button at the bottom of the screen, you will be asked to begin the application process. If you do not already have a healthcare.gov account you will be asked to create one. You will be notified of the progress of your application by the government.

But don’t give up just yet if you are denied! There is a list of what the government calls “complex issues” or “complicated cases” which is complicated in itself. The entire list and their descriptions can be found at http://www.healthcare.gov/sep-list/ but here are a few examples.

Misinformation, misrepresentation, misconduct, or inaction of someone working in an official capacity to help you enroll kept you from one of the following:

  • Enrolling in a plan
  • Enrolling in the right plan
  • Getting the premium tax credit you were eligible for
  • You experience domestic abuse/violence or spousal abandonment
  • If you meet any of the conditions in this second exception group, you will have to call the Marketplace Call Center at 1-800-318-2596.
  • If you are still denied, you can file for an appeal at the address at the bottom of the page.

The important thing to remember throughout this process is that you need to enroll in a qualifying plan. You may find the number of coverage policies and options limited, as not all insurance companies participate in making late Open Enrollment insurance coverage available. Though there is no time limit specified when these special enrollment options will end, you should not waste any time in acting and getting the process moving forward.

Add Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.

10 Things You Didn’t Know about Tali Saar
Peter Colis
10 Things You Didn’t Know About Peter Colis
Business expenses
20 Things You Didn’t Know About Soldo
Arvind Purushotham
10 Things You Didn’t Know About Arvind Purushotham
credit card
10 Things We Like about the Bilt Rewards Card
Credit Card
10 Reasons We Like The Divvy Business Credit Card
Tesla
The Top Five Stock Picks Targeted at Climate Change
Credit Card
The 20 Best Travel Credit Cards of 2021
flea market
10 Reasons To Check Out The Raynham Flea Market
Niagara Falls State Park, New York
The 20 Best State Parks with Waterfalls in the U.S.
cancelled flights
It’s Better To Wait If You Want Your Money Back on a Cancelled Flight
The Rock and Roll Hall of Fame
The 20 Best Day Trips in Ohio
2021 Toyota Camry 4
Why The Toyota Camry Will Be Around Forever
Mercedes-Benz is Spending $47 Billion on Its Electric Car Effort
10 Things You Didn’t Know about The Bugatti Divo
Dodge Raider
Remembering The Short Lived Dodge Raider
Patek Phillipe’s Green-Dial Nautilus
A Closer Look at the Patek Philippe’s Green-Dial Nautilus
A Closer Look at the Creux Automatiq Ghost V3 Mono
Seven Fridays
A Closer Look at the SevenFriday’s P1C/04 Caipi Watch
Doxa Sub 200 Whitepearl
A Closer Look at the The Doxa Sub 200 Whitepearl
Hayley Williams
How Hayley Williams Achieved a Net Worth of $14 Million
Dick Cheney
The 10 Richest People in Wyoming
Nancy Cartwright
How Nancy Cartwright Achieved a Net Worth of $80 Million
Heart Evangelista
How Heart Evangelista Achieved a Net Worth of $3 Million