How To Get Health Insurance After Open Enrollment

To get Health Insurance after Open Enrollment which ended March 31, you need to have a Qualifying Life Event (QLE). If you have a QLE, you will be offered a Special Enrollment Period (SEP) which is a time-specific period in which you can apply for insurance. It is usually 60 days, but may be different depending on your circumstances.

Some of the Qualifying Life Events include, birth or adoption of a child, marriage, loss of employer insurance, exhaustion of Cobra benefits, divorce, gaining citizenship, getting out of  jail, or a change in income.

Giving up your current insurance voluntarily is not a QLE nor is termination of your current insurance for failing to pay the premium.  Losing coverage that does not meet the standard of minimum essential coverage (a plan’s share of total allowed costs of benefits provided is 60% or more of those costs) is also not a QLE.

An exception to the QLE rule is if you are a business and wish to enroll in SHOP or the Small Business Health Option Program. Small businesses can apply for health coverage for their employees throughout the year.

The next Open Enrollment in which you can sign up or change your Health Plan is Nov 15, 2014 to Feb 15, 2015.