IMPORTANT 2024 UPDATE:  The health insurance Special Enrollment Period has been extended.  For answers to your questions or free assistance enrolling, contact Premier in Lisle at 800-369-0287 to speak with a licensed agent immediately.

As part of the Affordable Care Act, individuals and families may only purchase health insurance (or change their existing coverage plans) during a specific period of time known as Open Enrollment.  But what happens when you experience a major life change after the open enrollment period closes?  This is what's referred to as Special Enrollment.

Illinois Special Enrollment Qualifications

While there are many unique circumstances which will allow a person or family the ability to buy health insurance after open enrollment ends, some of the most common include:

  • Getting married and adding a spouse to your policy
  • Losing coverage after going through a divorce
  • Moving to a new state or region where premiums may change
  • Having a baby or adopting a child
  • Starting a small business after leaving your employer
  • Taking a new job or experiencing a change of income status
  • Changes to your immigration status or citizenship

Avoiding Complications During Special Enrollment

Signing up for health insurance after open-enrollment is something that needs to be handled very delicately, as it's unlike anything we've seen or experienced in the past.  One mistake, either on your part or the part of the person who happened to answer your call, could end up costing you in both time and benefits.

The safest way to make sure that you end up in a plan that genuinely meets your needs, while eliminating the possibility of overpaying or losing the option of keeping your family physician, is to work with a local insurance agent who knows the fine points of special enrollment.

Expert Assistance from Licensed IL Agents

Whether you're in the Chicago area or located in another part of Illinois, we invite you to call Premier for personalized assistance with your special enrollment.  If you need professional assistance from an agent with your Special Enrollment application, we can ensure that the process has been completed perfectly from start to finish.

To learn more about buying health insurance after Open Enrollment, contact Premier Financial Insurance in Lisle at 800-369-0287 or write to us through our secured Contact Page.

Since 2003 Premier has been offering the most diverse selection of IL health insurance plans and coverage options. Speak with one of our agents or get a free quote!