Special Enrollment | ObamacareUSA.org

Getting Coverage Outside of the Open Enrollment Period

If you did not sign up for an Obamacare Plan during the Open Enrollment Period (November 1, 2023 to January 15, 2024), you can still get coverage during the “Special Enrollment Period.”

The Special Enrollment Period is any date that falls outside of Open Enrollment. However, you or someone in your household must have what is known as a “Qualifying Life Event” to be eligible to participate in the Special Enrollment Period.

A Qualifying Life Event enables you to get any one of the five Obamacare Plans. Subsidies, or discounted rates, are available if you meet certain criteria.

What is a Qualifying Life Event?

The most common Qualifying Life Events are listed below. You are very likely eligible if you:

Lost health coverage in the last 60 days or expect to lose it within the next 60 days
Got a divorce and lost health insurance.
Got married.
Gave birth.
Adopted a child or had a foster child placed in your home.
Had a death in your household.
No longer live in your current health plan’s coverage area (e.g. moved to a new state).
Had a change in household income.
Became a U.S. citizen.

Other Qualifying Life Events include:

A prolonged illness that required hospitalization.
A temporary cognitive disability.
An enrollment error made by an insurer, government entity, or insurance agent..
Being released from prison or detention.
A natural disaster.

What is a Qualifying Life Event?

If you missed Open Enrollment and do not have a Qualifying Life Event, you can still get covered through a Short Term Plan. Though they provide medical insurance, Short Term Plans are different than Obamacare Plans. Learn more about Short Term Plans here

If you are not 100% sure about your eligibility for any plan, don’t worry. Just enter your zip code and tell us about yourself. Based on your information, which is 100% safe and secure, we will find you the health plans that best match your needs -- all at the lowest rates!

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Important Information: Disclaimer:

ObamacareUSA.org is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent [73] organizations which offer [5110] products in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Please note that these numbers provided are not specific to your area but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on ObamacareUSA.org are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

ObamacareUSA.org is operated by QuoteLab, LLC, which is an independent broker and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance are made through QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which QuoteLab, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear.

ObamacareUSA.org is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website does not provide a complete listing of, or display all data on all Qualified Health Plans being offered in your state or service area through the Marketplace website or the federal Medicare program. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov.

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