Missed Open-Enrollment?
If you missed 2022 open-enrollment period, you may be asking yourself what do I do & can I still secure coverage? The short answer is YES. The long answer is……
Outside of the open enrollment period options can of course be limited. First, if you still are uninsured for 2022, we can always check to see if you qualify for a special enrollment on the marketplace. What is that exactly? Simply means you have had a qualifying life event, some of which are, loss of coverage in the past 60 days, change of primary address, change of household size, just to name a few.
Also, there are what’s called medically underwritten or medically approved options. These options can be very hard to be approved for bc they are based upon health history. Not everyone can qualify for this option. However, if you can it usually leads to more affordable premiums, nationwide PPO networks & lower out-of-pocket exposure. Some of these options are guaranteed renewable till age 65 as well.
Then there are short-term medical plans, Indemnity plans & health-share plans as well. Usually, these options can work to fill a gap whereas you only need coverage for a month or so. These plans typically are really cheap as well. As a long-term solution, these options can lead to having to pay a lot more out of pocket for your medical expenses.
If you haven’t secured coverage 2022 yet, schedule an appointment, send us a message, or give us a call. Our team of licensed advisors are here to answer any questions you may have. There is no cost to review your options. Also, if you aren’t satisfied with your current plan you do not have to wait till the next open enrollment. Reach out and review your options & see where and what options you can qualify for.