Experiencing a qualifying life event allows you to apply for Obamacare health insurance coverage outside of the annual Obamacare open enrollment period.
The Affordable Care Act (the law known commonly as the ACA or Obamacare) created a nationwide open enrollment period. For 2017, it’s scheduled to run from November 1, 2016 through January 31, 2017. During open enrollment anyone can purchase individual and family health insurance on their own.
However, if you experience a major life-changing event (termed a “qualifying life event” under the law), you may be eligible for a personal special enrollment period outside of Obamacare’s open enrollment season.
Watch our video about signing up for Obamacare
What are some qualifying life events?
Qualifying life events that may trigger a special enrollment period for yourself and your family outside of Obamacare’s open enrollment period include the following:
- Marriage or divorce
- The birth or adoption of a child
- The loss of employer-based health insurance coverage
- Moving to a new city outside your old plan’s coverage area
- Changes in income that may make you eligible for Obamacare subsidies
Be aware that you may need to provide documentation showing that you experienced one of these (or other) qualifying life events.
How long will I have to enroll in a new plan?
If you experience a qualifying life event, you will typically have a sixty-day window during which you can enroll in a new Obamacare health insurance plans and apply for Obamacare subsidies if you meet the income criteria.
Supplemental forms of health insurance
Outside the open enrollment period, you can only purchase Obamacare-compliant health insurance if you experience a qualifying life event. However, even if you can’t get an Obamacare-compliant health insurance plan, there are supplemental insurance products available that can offer some level of protection. Although they will not meet your coverage requirements under the Affordable Care Act, and you may still be subject to a tax penalty, this level of protection may still be better than having no coverage at all.
Some alternate forms of coverage may include, but are not limited to, the following:
- Short-term health insurance plans: Short-term plans typically provide coverage for periods of 30 days up to 12 months at a time. They typically will not cover pre-existing conditions or preventive medical care, but they can limit your financial liability for medical bills in case of accidents or other unexpected medical emergencies.
- Accident insurance: Accident insurance plans provide you with a cash payout if you suffer from specific injuries. The payout is made to you rather than to your medical provider, and you can use the money for whatever you choose.
- Critical illness insurance: These plans work like accident insurance but are designed to provide you with a cash payout in case you are diagnosed with a covered serious illness.
- Dental or vision insurance: Dental or vision insurance plans typically provide you with some coverage or discounts for a specific set of dental or vision services within a specific period of time.
An eHealth analysis of these supplemental insurance products (which are generally available through eHealth ) in 23 cities across the United States, between May 1 and May 14, 2014, identified monthly premiums for 1,684 supplemental plans, including accident, critical illness, fixed-benefit indemnity and short-term health insurance plans.
Across the cities surveyed in eHealth’s analysis, the company reports the following average monthly premiums:
- Accident insurance: $26.46
- Critical illness insurance: $23.01
- Short-term health insurance: $111.38
- Fixed-benefit indemnity insurance: $112.98
These prices are only historical averages from May 1-14, 2014 and may not reflect the prices or plans available for your specific circumstances.
To get help finding the right plan for you, enter your zip code where requested on this page to see a quote.