Open Enrollment for the Health Insurance Marketplace and private exchanges ends March 31, 2014. This does not mean, however, you are out of luck. If you have a change of life event, also referred to as a “qualifying event,” you can apply for coverage at that time. This event is referred to as a Special Enrollment Period or SEP. The SEP lasts for 60 days from the date of the event.
Qualifying Events include:
- Having or adopting a child
- Moving to a new area that offers different health plans
- Losing other health coverage
- Loss of job
- Losing Medicaid eligibility
- COBRA expiring
- Health Plan loses it certified status
If you are already enrolled in the Marketplace and you have a change that alters your tax credit eligibility this also gives you an SEP.
For no additional cost, we can help you select and enroll in a Marketplace or private plan. If you need coverage before Open Enrollment ends or if during a Special Enrollment Period please contact us.