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
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
10.) You experience an error or other complication when trying to
11.) You experience
other events that qualify for
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
click the logo
below to compare plans from all carriers and find the right health
insurance plan for you and your family.
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
removed from the health care lawprior
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
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: