Retroactive Health Insurance coverage: A Lifesaver When You Need it Most

ACA, the Affordable Care Act, is the law that made health insurance more affordable and accessible for millions of Americans. Open enrollment typically runs from November 1st to January 15th of each year, allowing individuals to enroll in coverage for the upcoming year.

What if you missed the Open Enrollment Period?

If you missed the Open Enrollment period but experienced a qualifying life event like getting married, having a baby, or losing your job-based coverage, you may be eligible to enroll in a health insurance plan outside of Open Enrollment. This is known as a Special Enrollment Period.

Unfortunately, missing the Open Enrollment without having a qualifying event means you can’t enroll in a plan that will provide coverage retroactively. Any coverage you choose will only begin on the first of the month after you enroll.

What Are Your Options if You Need Immediate Coverage?

If you need immediate medical attention and don’t have health insurance, there are a few options available to you:

Seek care at a community health center. These centers offer affordable healthcare to low-income and uninsured individuals.
Apply for Medicaid. Medicaid is federal health insurance for low-income Americans. Eligibility varies from state to state.
Enroll in a short-term health insurance plan. These plans offer temporary coverage for a limited period.
Pay for medical expenses out-of-pocket. This option can be expensive, but it may be your only choice if you don’t qualify for other programs.

Don’t Wait to Get Coverage

Having health insurance is crucial for protecting yourself and your family from unexpected medical expenses. If you’re uninsured or underinsured, explore your options as soon as possible.

Call one of our licensed agents and get the best plan for your situation

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