Year-Round Health Insurance Options: Finding Coverage Anytime, Anywhere
Coverage Guide
Year-Round Health Insurance Options: How to Get Covered Outside Open Enrollment
Missed Open Enrollment? You still have options. Depending on your situation, you may qualify for a Special Enrollment Period, Medicaid/CHIP, or a private, medically underwritten PPO. RKA verifies doctors, prescriptions, and costs side-by-side so you don’t overpay—or go uncovered.
What “year-round options” really means
Outside the annual Open Enrollment window, these paths can unlock coverage:
1) Special Enrollment Period (SEP)
- Triggering events: loss of employer coverage, move to a new state, marriage/divorce, birth/adoption, household income change, and more.
- Timing matters: most SEPs provide a 60-day window from the event date—earlier action = more plan choices.
- We help: confirm eligibility, compare plans, and submit the right documentation to avoid delays.
2) Medicaid & CHIP (year-round)
- Income-based programs with comprehensive benefits; eligibility varies by state and household size.
- Enrollment is open all year—no need to wait for Open Enrollment.
3) Private, medically underwritten PPOs
- For healthy individuals/families who qualify, these plans can offer lower premiums, nationwide PPO access, and predictable costs.
- Eligibility depends on health history; we pre-screen quickly and verify your doctors and facilities.
4) COBRA & short-term options
- COBRA: convenient continuation of employer coverage, but often expensive (full premium + admin fee).
- Short-term medical: limited, temporary coverage and rules vary. Good for narrow gaps; not a long-term substitute.
How we keep you covered without overpaying
- Doctor & Rx checks: we confirm networks and drug tiering before you enroll.
- Cost projection: premium + likely usage to estimate your real annual cost.
- Fast placement: we handle the paperwork and keep your start date on track.
For education only; benefits and eligibility vary by carrier and state. Always review official plan documents.
