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, 2022 to January 15, 2023), 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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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.

Third Party Material (TPMO) (Medicare.gov): We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. 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 or consult https://www.medicare.gov.

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.

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.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.