Health Insurance

Healthcare Today (Open Enrollment Nov.1-Jan 15)

• Top health coverage with major carriers and doctors in-network ie. Blue Cross | Ambetter | Cigna | Molina | Aetna | UHC

• Affordable ACA marketplace plans available today. 

• Do not qualify for ACA NO WORRIES Off Marketplace plans for all carriers

• Coverage made Simple

Qualifying Special Enrollment (anytime of year) 

                     -What qualifies as a SEP-

1. Loss of Coverage

You qualify if you lose:

• Employer health coverage

• Medicaid or CHIP

• COBRA coverage

• Student health insurance

• Individual marketplace coverage due to moving or plan ending

• Coverage through a family member (divorce, death, aging off a parent’s plan at 26)

You DO NOT qualify if:

• You voluntarily cancel coverage

• You lapse coverage due to non-payment of premium 

2. Changes in Household

Any major family change qualifies:

• Marriage

• Birth

• Adoption

• Foster care placement

• Divorce or legal separation

• Death of someone in your household

3. Changes in Residence

Moving qualifies if you:

• Move to a new state

• Move to a new county or ZIP code

• Move for work or school

• Move from abroad to the U.S.

• Move out of a shelter, transitional housing, released from jail

4. Changes in Eligibility

These include:

• Becoming eligible for marketplace coverage

• Gaining or losing eligibility for Medicaid/CHIP

• Becoming newly eligible for subsidies (tax credits)

5. Change in Immigration Status

These include:

• Gaining lawful presence

• Becoming a U.S. citizen

• Receiving a green card, refugee status, or asylum

6. Release From Incarceration

You now qualify for marketplace coverage.

7. AmeriCorps Members

Starting or ending service qualifies.

8. Marketplace or Job-based Plan Errors

You qualify if:

• The marketplace made a mistake

• A broker/agent made an error

• There was misinformation or technical issues