Affordable Health Insurance Options After Open Enrollment
Missed the open enrollment deadline? Don’t worry! Affordable health insurance options are still available to you. This guide will help you understand your choices and how to get covered even after the open enrollment period has ended.
Special Enrollment Period (SEP)
If you missed the open enrollment period, you might still qualify for a Special Enrollment Period (SEP) due to certain life events. These events include:
- Losing Job-Based Health Coverage
- Losing Medicaid or CHIP Coverage
- Getting Married or Divorced
- Having a Baby or Adopting a Child
- Moving to a New ZIP Code or County
- Turning 26 and Losing Coverage Under Your Parents’ Plan
If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a plan. Visit Healthcare.gov to see if you qualify and to apply for coverage.
Medicaid and CHIP
If your income is low, you might be eligible for Medicaid or the Children’s Health Insurance Program (CHIP). These programs provide free or low-cost health coverage to millions of Americans, including some low-income adults, families and children, pregnant women, the elderly, and people with disabilities. You can apply for Medicaid or CHIP at any time of the year.
Short-Term Health Plans
Short-term health plans are another option if you need temporary coverage. These plans are designed to provide coverage for a limited period, usually up to 12 months. While they may not cover all the benefits of a standard health insurance plan, they can be a good option if you need immediate coverage.
Community Health Centers
Community health centers – like Aunt Martha’s – offer low-cost or sliding-scale fee services to individuals without health insurance. These centers provide a range of services, including primary care, dental care, and mental health services. Find a community health center near you by visiting the Health Resources and Services Administration (HRSA) website.
Even if you missed the open enrollment period, there are still several options available to ensure you have health coverage. Explore these alternatives and choose the one that best fits your needs. Remember, having health insurance is crucial for protecting your health and financial well-being.
Yes, you can find affordable health insurance after open enrollment!
Don’t wait—find affordable health insurance or apply for Medicaid or CHIP. Aunt Martha’s Health and Wellness can help you with the process.
Call to talk to one of our Enrollment Assisters, or visit our Health Insurance Resources page to get started.
The ABCs of Health Insurance
