Affordable Care (ACA) Marketplace - Special Enrollment Periods

You may have heard of the marketplace on Healthcare.Gov, which offers open enrollment annually to U.S. citizens during a specific window. What is less known is that there are certain Qualifying Life Events (QLE) that may allow you to enter the Affordable Care Marketplace outside of the annual enrollment period. Reach out to Compass Health regardless of your specific situation.

Compass Health offers insurance plans that are part of the ACA, and plans that are outside of the affordable care marketplace. All our services are free of charge, and you’ll be connected to one of our trained experts whose goal is to get you the best possible coverage for the best possible price.

Qualifying Life Events

If in the past 60 days have you or anyone in your household:

  • Got married. Had a baby, adopted a child, or placed a child for foster care.
  • Got divorced or legally separated and lost health insurance.
  • Died.
  • Changed a residence such as:

          o A new home in a new ZIP code or county.
          o Moved to the U.S. from a foreign country or U.S. territory.
          o A student changes the place where he/she attends school.
          o A seasonal worker changes where he/she lives and works.

  • Got married. Had a baby, adopted a child, or placed a child for foster care.
  • Got divorced or legally separated and lost health insurance.
  • Died.
  • Changed a residence such as:

          o A new home in a new ZIP                   code or county.
          o Moved to the U.S. from a                   foreign country or U.S.                         territory.
          o A student changes the                       place where he/she                             attends school.
          o A seasonal worker                               changes where he/she                       lives and works.

Loss of Health Coverage

  • You or anyone in your household lost qualifying health coverage in the past 60 days OR expects to lose coverage in the next 60 days.
  • If you lost Medicaid or Children’s Health Insurance Program (CHIP) coverage in the past 90 days, you may qualify for a Special Enrollment Period.

More Qualifying Life Event Changes

There are many other QLEs that may qualify you for a Special Enrollment Period such as gaining membership in a federally recognized tribe or status as an Alaska Native or being impacted by a natural disaster. Some of the events are very specific. Do yourself a favor and speak with a Compass Health insurance advisor. Simply fill out the form and we set up time to discuss your needs, confidentially and at a time that is convenient to you.

Do You Qualify for Special Enrollment?

A qualifying event for insurance is a change in life situation that makes a person eligible to enroll in health insurance outside of the annual Open Enrollment Period.

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