Are You Missing Out on Affordable Health Insurance?

Losing your job can be a stressful experience, especially when it comes to health insurance. If you find yourself in a similar situation, don’t panic. There are options available to help you get the coverage you need.

Understanding Your Options

The Affordable Care Act (ACA) provides a number of ways to get health insurance, even if you have a pre-existing condition.

Health Insurance Marketplace: The Health Insurance Marketplace is a government-run website where you can compare and purchase health insurance plans from private insurers. You may qualify for premium tax credits that can lower your monthly payments.
Medicaid: Medicaid is a government program that provides health insurance to low-income individuals and families.
CHIP: CHIP is a government program that provides health insurance to children from families with incomes above the Medicaid limit.
COBRA: COBRA allows you to continue your employer-sponsored health insurance for a limited time after you lose your job.

Special Enrollment Period

If you lose your job, you qualify for a Special Enrollment Period (SEP). This means you can enroll in a health insurance plan outside of the open enrollment period. You have 60 days from the date you lost your job to enroll in a plan.

What Happens if I Miss the SEP?

If you miss the SEP, you will have to wait until the next open enrollment period to enroll in a health insurance plan. This can be a problem if you have a pre-existing condition, as you may not be able to get coverage without a waiting period.

Don’t Wait, Get Covered Today

Losing your job doesn’t have to mean losing your health insurance. Contact a licensed insurance agent to learn more about your options and enroll in a plan that meets your needs.

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