When Can You Get Health Insurance?

When you are trying to find health insurance in Richardson, TX, you usually need to wait until open enrollment. The open enrollment period starts on November 1 and ends in December. Even after the open enrollment period has ended, there are still some instances when you can get health insurance with Allegiance Insurance Agency.

There can be certain life events that qualify you for a special enrollment period. This enrollment period is usually 60 days when you can get health insurance even if it is after the normal period. These qualifying life events can be losing your health coverage through an event such as divorce, losing your job, or expiring coverage. If you voluntarily quit the health plan or are canceled because you didn’t pay premiums, you will not be eligible for a special enrollment period. If you get married, have a child or adopted a child, permanently moved somewhere with different options, or are aging off your parent’s insurance plan, you can qualify for this special enrollment. During this time, you can shop around for health insurance on a public or private exchange. You will have the same options you would normally get during open enrollment, such as copay plans. If you don’t purchase coverage during this period then you will have to wait until the next open enrollment period. However, you can get a short-term plan to cover yourself until you can get a different one.

If you miss the deadline and don’t qualify for Medicaid or another special enrollment plan then you can consider a short-term health plan. Premiums can be based on your medical history and won’t usually cover pre-existing conditions. However, these short-term plans can provide security from unexpected and catastrophic healthcare emergencies.

Contact Allegiance Insurance Agency, serving Richardson, TX, to get a quote on health insurance.