Open enrollment allows individuals to apply for a health insurance plan or change their existing coverage. This period starts from November to December, with some states extending their deadline. Despite that, what should you do if you fail to enroll in time?
While it’s most ideal to manage your health plans during open enrollment, it’s not impossible to get insurance coverage outside of that period. Depending on your situation, there are some ways you can apply for health insurance if you missed open enrollment. Here are some of them:
- Check if You’re Eligible for Special Enrollment
The Special Enrollment Period (SEP) allows people who faced certain life events to apply for insurance plans outside of open enrollment. These events include loss of coverage due to end of employment and changes in the household and residence. If you experienced any of these, then special enrollment may be your best option.
That said, take note that the eligibility for the SEP is within 60 days of the qualifying life event. If you have an insurance provider, you may also reach out to them for assistance.
- Find Out if You Qualify for Medicaid
Medicaid is a health coverage option available all year round, making it suitable for those who missed the open enrollment period. This program is also open to low-income families, people with disabilities, and the elderly. So, you might find the income limits fairly high for Medicaid eligibility.
Still, eligibility guidelines may vary from state to state, so it’s best to check if you qualify for this health coverage. Plus, if your application gets denied, you may still apply for a private insurance plan through the health insurance marketplace.
- Consider a Short-Term Health Insurance Plan
Another way to get health coverage once open enrollment has ended is by purchasing a short-term health insurance plan. These typically last for 30 to 90 days or up to a year, depending on the insurer. While short-term insurance doesn’t have extensive coverage like ACA plans, it can be an affordable way to pay for healthcare in the meantime.
Contact a Reliable Insurance Company
Health insurance plans are essential in keeping you and your family safe. So, it’s best to find out how to get one in case you miss open enrollment. Reach out to us at Midwest Employee Benefits in Sioux Falls, MD for more information about insurance plans and more.