When you consider the volume of information we absorb each day, the number of busy people who inadvertently miss the health insurance Open Enrollment deadline is not surprising. And of course, the question ultimately becomes, is there any way to buy health insurance after Open Enrollment? We’re pleased to say that the answer to this question is a resounding, yes. In addition to short-term health insurance plans, the Special Enrollment program allows individuals and families who are expecting life changes to purchase new plans or modify their existing coverage.
If you’re an Illinois resident who’s currently without health insurance, and moreover anticipating a significant life change during the upcoming year, there’s a good chance you’ll qualify for coverage under Special Enrollment. Here are just a few of the more popular qualification factors, but feel free to get in touch with Premier in Lisle to find out if your situation qualifies.
Getting Married or Divorced
In the eyes of most major carriers, going from single to married—or married to single, for that matter—is an important rating factor when it comes to your health and medical insurance. If you’re in the process of planning a wedding or finalizing a divorce, you will have the ability to change your existing plan or choose a new coverage option. This can be done over the phone with your carrier, or closer to home by working with a local health insurance agency.
Having a Baby or Adopting
Welcoming a new member of the family will change the entire dynamic of your health insurance coverage, and it’s also among the most popular qualifications for Special Enrollment. The most common scenarios are households making the transition from individual and couple coverage, to family medical plans with more accommodating pediatric networks, physicians, etc.
Moving to a New Rating Area
Health insurance premiums are determined on a vast array of criteria, with geographic location being one of the foremost factors. So when you move, your premiums are likely to change; thus allowing many the opportunity to purchase health insurance after open enrollment. If you’re unsure as to whether or not your new location will fall within the guidelines of Special Enrollment qualification, a local agent can let you know at no cost to you.
Changing Jobs or Starting a Business
Of all the Special Enrollment qualifications, this is about as straightforward as they come. If you leave your company’s group health plan and need coverage, you’ll automatically qualify. The company’s group agent will be able to help with the transition, in addition to showing you plan options based on your household, career or new business. If not, a local agent can help point you in the right direction. This same applies for those without existing coverage who are starting a new job or launching a business.
Get Free Expert Assistance with Special Enrollment Health Insurance
Whether you’re local to our Lisle IL health insurance agency or residing elsewhere in Illinois, Premier Financial Insurance can help with all aspects of Special Enrollment, free of charge. The aforementioned topics represent only a partial list, and we invite you to get in touch to learn whether or not your unique circumstances will qualify. There’s no obligation whatsoever and we staff a team of licensed IL agents who are here and ready to help.
You can reach Premier Health Insurance in Lisle by phone at 800-369-0287, or write to our staff agents 24/7 via email through our secured and confidential contact page.