Losing Health Insurance? Understand Your Options and Qualify for ACA Marketplace Coverage
Losing Health Insurance? Understand Your Options and Qualify for ACA Marketplace Coverage
Losing access to health insurance can be a stressful time. If you’re losing your employer-sponsored or retirement coverage, you have options to continue your health insurance through the Affordable Care Act (ACA) Marketplace.
Qualifying Life Events for ACA Marketplace Enrollment
A qualifying life event is a specific change in your life that allows you to enroll in a new health insurance plan outside of the Open Enrollment Period. Losing health insurance is one of the qualifying life events that allows you to enroll in the ACA Marketplace.
If you lose your health insurance coverage, you have 60 days to enroll in a new plan through the ACA Marketplace. This 60-day period begins the day your coverage ends.
You do not need to wait until the next Open Enrollment Period to enroll. You can apply for coverage through the Marketplace at any time during the year if you have a qualifying life event.
How to Enroll in the ACA Marketplace
To enroll in the ACA Marketplace, you can:
Follow these steps:
1. Visit HealthCare.gov.
2. Click on the “Enroll Now” button.
3. Create an account.
4. Enter your information.
5. Choose a plan.
6. Pay your premium.
You can also enroll in the ACA Marketplace by calling the Marketplace Call Center at 1-800-318-2596.
Getting Help from a Licensed Agent
If you need help enrolling in the ACA Marketplace, you can get free assistance from a licensed agent or broker. Agents and brokers can help you understand your options, compare plans, and enroll in a plan that meets your needs.
To find a licensed agent or broker in your area, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596.
Conclusion
Losing health insurance can be a stressful experience, but it’s important to know that you have options to continue your coverage. If you lose your health insurance, you can enroll in a new plan through the ACA Marketplace. You have 60 days to enroll after your coverage ends, and you can get help from a licensed agent or broker if you need it.
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