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What is a Qualifying Life Event which qualifies one for Special Enrollment?


1.) You move to a new area that offers you different plans, or isn't covered by your HMO or PPO network.
2.) You get married.
3.) You have or adopt a child.
4.) You lose other health coverage due to job loss, a decrease in work hours, end of COBRA coverage or other reasons.
5.) You become a U.S. citizen.
6.) Your income changes, or some other event changes your income or household status.
7.) You can prove that your health insurance company violated its contract with you.
8.) You are no longer covered on a family member's policy because you turned 26, you have legally separated from or divorced your spouse, or the policy holder has passed away.
9.) You become a member of an American Indian and Alaska Native tribe.
10.) You experience an error or other complication when trying to enroll
11.) You experience other events that qualify for special enrollment.

How does Special Enrollment work?

In most cases, you have 60 days after the qualifying life event to enroll in or change your health plan. If you have insurance through your job, you may only have 30 days to enroll. If you qualify for Special Enrollment
click the logo below to compare plans from all carriers and find the right health insurance plan for you and your family.

What if you don't qualify for Special Enrollment?

If you missed open enrollment and don't qualify for the special enrollment period, you can still stay insured by buying short-term health insurance. Short-term or Temporary health insurance plans can keep you covered until the next open enrollment period begins on November 15, 2014.

Please note: You must also understand that you will be subject to a 1% of your MAGI 'fine' (TAX) for purchasing temporary health insurance since these plans do not include the "essential health benefits" under Obamacare such as Maternity for 62 year old women and single men, drug rehab coverage for those who do not have chemical dependency problems and pediatric dental for those without children. As such temporary policies are not considered 'qualified health plans'. Rest assured though, if you are self employed and do not over pay your taxes you will never pay that 'fine' (TAX) for the only recourse the IRS has to collect that fine is to hold your tax refund. All criminal penalties for non compliance
 were removed from the health care law prior to passage.

Assurant Health

Our recommendation for Short-term health insurance is Assurant health insurance company. Assurant health is one of the only companies with Short Term health insurance that also covers outpatient and inpatient prescription drugs the same as any other illness. Many of the other carriers who offer temporary health insurance do not cover outpatient prescription drugs or if they do, they only cover a small amount after you have paid your health plan deductible. This can lead to catastrophic out of pocket expenses for those who develop a major medical illness outside of open enrollment.

Assurant, a Fortune 500 company and a member of the S&P 500, is traded on the New York Stock Exchange under the symbol AIZ. Assurant has approximately $29 billion in assets and $8 billion in annual revenue. Assurant has approximately 14,500 employees worldwide and is headquartered in New York's financial district. Assurant Health’s products are underwritten and issued by John Alden Life Insurance Company, Union Security Insurance Company and Time Insurance Company, which has been in business since 1892. Headquartered in Milwaukee, Wisconsin, Assurant Health employs approximately 2,000 employees. Assurant Health is rated A-(Excellent) by A.M. Best ratings.

To get quotes & apply online for Assurant Health's Short-term health insurance click their logo below:

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