Starting February 1, 2024, the Annual Open Enrollment Period ends and the Special Enrollment Period begins. During the Special Enrollment Period from February 1st to October thirty first, 2024, anybody looking for to enroll in or change their present medical insurance should have had a so-called “qualifying life event” inside the final 60 days. Below are a few of the commonest qualifying life occasions that should happen earlier than you’re eligible to use for brand spanking new medical insurance.
Most widespread qualifying life occasions (QLE):
- Recently moved
- Lost employer-sponsored protection
- Released from Medi-Cal (California’s Medicaid)
- Divorce or Marriage
- Newborn youngster
- COBRA or Cal-COBRA expiration
- Turned 26 and is now not eligible to be beneath their mother or father’s medical insurance
- Gained citizenship and/or lawful presence
Covered California is providing an prolonged alternative for people to make adjustments to their medical insurance plans till March twenty sixth beneath a brand new qualifying life occasion known as “Still need more time to elect insurance.” This is nice information, particularly for LA Care policyholders who wished to decide on a major UCLA physician however couldn’t as a result of UCLA panel being closed for brand spanking new enrollees. Additionally, Oscar purchasers who missed their likelihood to pick a well being plan can nonetheless make adjustments till mid-March. If you might have any questions or want help, be at liberty to succeed in out to us at data@solidhealthinsurance.com.
If you do not need a qualifying life occasion, you can not enroll in new medical insurance till the subsequent Open Enrollment Period which begins on November 1st, for protection efficient as early as January 1st, 2025. There are some choices nonetheless on the market for individuals who missed the Open Enrollment Period and do not need a QLE. Dual or overseas residents can elect international medical insurance, whereas US residents can elect unintentional or important sickness and hospital indemnity plans to cowl them in case of an emergency (indemnity plans aren’t medical insurance plans; these kinds of plans pay you lump sums of money to cowl outlined medical bills).
If you might have any questions on your eligibility for medical insurance in the course of the Special Enrollment Period, please don’t hesitate to contact us. At Solid Health Insurance Services, we try to seek out our purchasers the proper well being, dental, imaginative and prescient, life, and long-term care insurance coverage that most closely fits each their price range and medical wants. Please don’t hesitate to contact us at 310-909-6135 or e-mail us at info@solidhealthinsurance.com for us to higher help you.