Open Enrollment is closed. We need to see if you qualify for a Special Enrollment Period. Or if you have experienced a Life Changing Event in order to get an ACA plan. If you do not qualify, we can see if a Short Term Medical plan is available for you.
How it works
Generally, a Special Enrollment Period lasts for 60 days after the date of the qualifying life event. Within that time period, you’re able to purchase a new health insurance plan, and you should have the same plan options as you would during Open Enrollment Period.
If your household income is currently below 150% of the federal poverty level, you may be eligible for an ACA plan via Special Enrollment Period throughout the year. You’ll most likely also be eligible for financial assistance toward the premium of health plan coverage, which could lower your monthly payments, in some cases to $0, if you qualify. For more information on ACA, visit our Resource Center.
You can sign up for an individual major medical plan once a year during the annual open enrollment period. In most states for 2023, open enrollment takes place from November 1 through December 15, each year.
What happens if you fail to get coverage during open enrollment? You'll need to qualify for a special enrollment period due to a life event such as moving to a new ZIP code, having a baby, losing job-based coverage, or getting married. A special enrollment period offers a brief amount of time, usually up to 60 days from the qualifying life event, in which you can sign up for or switch your Obamacare plan.
If you miss open enrollment and don't qualify for special enrollment, then you won't be able to sign up for major medical insurance until the next open enrollment period. That coverage will be effective January 1 of the upcoming year.
Short Term Medical Insurance
Limited Fixed Indemnity Plans
HealthInsurance.com, LLC is a licensed insurance agency. CA License #0D10265. It is not a government agency, insurer, or medical provider.
This advertisement is for Short-Term Medical, Indemnity, and Affordable Care Act (ACA) products.
Individuals can enroll in ACA plans outside designated enrollment periods only if specific conditions are met. Individuals can enroll in a Short Term Medical or Indemnity product if not met. Short-term and limited-benefit medical insurance are not part of the Affordable Care Act (Obamacare). They may not cover pre-existing conditions or all ten essential benefits. Limited Benefit Medical Indemnity Insurance is designed to provide additional benefits to supplement major medical insurance and may not be available in some states without proof of major medical insurance.
If you provide your contact information, a licensed insurance agent may contact you to help you enroll in a Short Term Medical, Indemnity, or ACA product from one of the carriers we represent. Enrollment is not obligated and depends on the plan’s contract renewal. We may direct you to our partner websites for additional assistance. It is essential to carefully review all policies before making a decision.