The changes impact whether you can buy health insurance for the rest of 2017, what information you need to apply and when the insurance will start. While we are providing this overview, it is best to call us at 847-362-8888 to discuss your individual circumstances and options.
The federal government, under the Affordable Care Act, regulates when individuals can buy health insurance for themselves and their families.
Open Enrollment for 2017 ended January 31st of this year.
You may qualify for Special Enrollment if you:
- lose group (employer, college, Medicaid) health insurance
- reach the end of COBRA
- move to a new home in a new zip code, county or country.
- turn 26
- are adding dependents to your insurance
- are receiving government assistance with your premiums and have a change of circumstance
- experience miscellaneous other qualifying events
You have 60 days from the date of the qualifying event in which to apply.
You must apply by the 15th of the month for your insurance to start the 1st of the month after the qualifying event.
A document that verifies your qualifying event (notice of cancellation from an employer or insurer, permanent change of address card filed with USPS, marriage license, divorce decree, birth or adoption certificate) must accompany the application or be submitted within 30 days of application for new insurance.
Coverage will not begin until verification of the qualifying event has been received.
We work directly with insurers like Blue Cross. We work with the federal marketplace for clients who qualify for premium assistance. We are fully aware of and educated in current requirements and what they mean to you who need to get your own health insurance.
We urge you not to buy health insurance online at this time.
Call Jerry or Rebecca (847-362-8888) to discuss your situation. The call is free, confidential and without obligation.