If you missed Open Enrollment and do not qualify for a Special Enrollment Period, you still have coverage options. Short-term coverage can help you fill in gaps in your coverage until the next Open Enrollment Period. Other options, like Medicaid or the Children’s Health Insurance Program, can provide low-cost coverage outside of Open Enrollment.
If you need short-term coverage…
Short-term coverage is available for periods of one to 12 months at a time, depending on your insurer and state. You can enroll in short-term coverage at any time, regardless of the Open Enrollment Period.
Keep in mind that unlike major medical insurance, short-term plans might not cover pre-existing conditions and may have limitations on coverage. In addition, paying for short-term coverage does not protect you from having to pay the tax penalty. This still may be the best option for your current situation.
If you can’t afford a short-term plan…
You might apply for Medicaid or the Children’s Health Insurance Program (CHIP) at any time throughout the year, which both offer free or low-cost coverage.
If you’re not sure what you qualify for outside of Open Enrollment, call GoHealth to speak with one of our licensed agents at (866) 909 – 0798.