Update: Since this post was first published I have learned of NEW information that dramatically changes what I previously mentioned here. I HATE to make a mistake, especially when my job is to relay the facts. But, I did. I relied on some information a company representative told me and it was wrong. Shame on me. I guess I won’t do that next time. My sincere apologies for relaying incorrect information. That is NEVER my intention with this blog.
I’ve gotten lots of panicked phone calls lately asking this exact question. So let me assure you absolutely:
Yes, you can still get health insurance after Obamacare open enrollment ends.
BUT…….. you can only get health insurance after March 31 if you have a special enrollment situation.
It bears repeating- if you call me on April 1 wanting health insurance because you just now got around to it, you’re out of luck. It will not be available. If you call because you changed your mind and think it sounds like a good idea, too bad.
But if you call April 1 and beyond because one of the following has happened, you get a one time only special enrollment opportunity (of course- if you have multiple special enrollment situations, you get multiple opportunities).
Special Enrollment Qualifying Events
- Losing other health coverage (for example due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified). Note: Voluntarily quitting other health coverage or being terminated for not paying your premiums are not considered loss of coverage. Losing coverage that is not minimum essential coverage is also not considered loss of coverage.
- Change in marital status
- Change in dependent status (adoption, birth, etc.)
- Permanently moving to a new area that offers different health plan options
- For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions
Most special enrollment periods last 60 days from the date of the qualifying life event. Job-based plans generally allow special enrollment periods of 30 days.
The Moral of the Story Here?
If you try to get health insurance after March 31 and you DON’T have a special enrollment, you CAN’T get it. Not even if you beg and plead.
You’ll have to wait until the next open enrollment period which is currently proposed as November 15, 2014 to January 15, 2015.
So sign up before March 31, or you’ll miss your chance! Let’s face it- Obamacare is a confusing mess. Don’t go it alone if you don’t have to. If you’re in Ohio, I can help! Contact me today.