How to Sign Up for Short-Term ACA Health Insurance Plans for Bridge Coverage

Imagine this scenario: You’re nearing retirement and facing a one-month gap in health insurance coverage between the end of your employer-sponsored COBRA plan and the start of Medicare eligibility. In this situation, it’s important to know that you have options to bridge this gap with short-term ACA health insurance plans.

What is Bridge Coverage?

Bridge coverage is a temporary health insurance plan that fills in the gaps between major health insurance policies, such as COBRA and Medicare. It provides peace of mind during life transitions when you may not have other coverage options.

Can I Get an ACA Plan for Only One Month?

Yes, you can sign up for an ACA health insurance plan for as little as one month. Outside of the annual Open Enrollment Period, you can qualify for a Special Enrollment Period (SEP) if you experience a Qualifying Life Event (QLE). Running out of COBRA coverage is a QLE that allows you to enroll in an ACA plan.

How to Sign Up for Bridge Coverage

To sign up for bridge coverage, follow these steps:

1. Determine your eligibility: Check if you meet the requirements for a SEP due to COBRA termination.
2. Contact a licensed agent: Seek professional help from a licensed agent who specializes in ACA health insurance. They can guide you through the enrollment process and find the best plan for your needs.
3. Gather necessary documents: Provide proof of your COBRA termination, such as a letter from your former employer.
4. Enroll within 60 days: You have 60 days before your COBRA coverage ends to enroll in an ACA plan.

Benefits of Bridge Coverage

Short-term ACA health insurance plans provide several benefits, including:

Flexibility: Coverage for as little as one month allows you to bridge the gap in coverage without long-term commitments.
Affordability: Plans are available at a range of premiums to fit your budget.
Peace of mind: You can rest assured that you have health insurance during a transition period.

Remember, navigating health insurance can be complex. It’s highly recommended to consult with a licensed agent who can provide personalized advice and assist you in finding the right bridge coverage plan for your specific situation. Our experienced agents are here to help you understand your options and make an informed decision about your health insurance.