Under the Affordable Care Act, it will be impossible to apply for a traditional/compliant individual health insurance policy outside of the open enrollment period each year. This is true both on the government exchange/marketplace, and in private exchanges.
There are exceptions. Those with a major life event (sometimes called a “qualifying event”) qualify for a Special Enrollment Period. These include:
- Losing minimum essential health coverage – i.e. losing your job and your employer-sponsored plan.
- Getting married.
- Getting divorced.
- Having a child (birth or adoption).
- Relocating – i.e. if you move to a new state.
- Losing COBRA eligibility and coverage.
- Your health insurance plan is decertified by the government.
If you have a qualifying event, you will be given a special enrollment window in which you can enroll in an individual health insurance policy. This will typically be 60 days from the date of the event.
If you have had a qualifying event, contact AC Forrest and we will help you find a compliant health plan for you and your family before it’s too late.
See plans and quotes in Georgia and Tennessee here
If you have missed the deadline and do not have a health insurance policy, there are alternatives you can consider, including a short-term health insurance plan, which will provide a good safety net at a very reasonable price (cheaper than a traditional health insurance plan).
As always, we invite you to contact us with questions that are specific to your situation.