Did You Lose Your Job-Based Health Plan? Here’s How to Apply for a New ACA Health Plan
If you’ve recently lost your job-based health coverage, you may be wondering what your options are for getting new coverage. The Affordable Care Act (ACA) provides a number of ways to get health insurance, even if you don’t have a job.
Qualifying Life Events
One way to qualify for an ACA health plan is to have a qualifying life event (QLE). A QLE is an event that triggers a special enrollment period during which you can buy health insurance. Losing your job-based health coverage is a QLE.
How to Apply for an ACA Health Plan
If you have a QLE, you can apply for an ACA health plan through the Health Insurance Marketplace. The Marketplace is a website where you can compare health plans and choose the one that’s right for you.
To apply for an ACA health plan through the Marketplace, you’ll need to provide information about your income, household size, and other factors. You’ll also need to choose a health plan and pay your first month’s premium.
Getting Help
If you need help applying for an ACA health plan, you can contact a licensed agent or broker. Agents and brokers can help you understand your options and choose the plan that’s right for you.
Don’t Delay
If you’ve lost your job-based health coverage, don’t delay in applying for an ACA health plan. The Marketplace is open year-round, but you’ll have to pay a penalty if you don’t have health insurance for more than 3 months.
What is a Qualifying Life Event?
A qualifying life event (QLE) is an event that triggers a special enrollment period during which you can buy health insurance. The following are QLEs:
Losing job-based health coverage
Getting married or divorced
Having a baby or adopting a child
Moving to a new state
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