What Happens When You Move Out of the Country and Return When Open Enrollment is Closed?
If you’re an American expat returning to the US, you may be wondering how to get health insurance outside of the open enrollment period. The good news is that there are a few options available to you.
Qualifying Life Events
One option is to enroll in a health plan through a special enrollment period (SEP). SEPs are available to people who have experienced a qualifying life event, such as losing your job, getting married, or having a baby. If you’re moving back to the US, you may qualify for a SEP if you can show that your move was a permanent change in residence.
Medicaid
Another option is to apply for Medicaid. Medicaid is a government health insurance program for low-income Americans. If you meet the income requirements, you may be eligible for Medicaid regardless of your immigration status.
Marketplace Plans
If you don’t qualify for a SEP or Medicaid, you can still purchase a health plan through the Health Insurance Marketplace. However, you may have to pay a higher premium if you enroll outside of the open enrollment period.
What to Do If You Need Immediate Coverage
If you need health insurance right away, you may want to consider purchasing a short-term health insurance plan. Short-term health insurance plans are typically less comprehensive than Marketplace plans, but they can provide temporary coverage until you’re able to enroll in a Marketplace plan.
How to Find the Right Health Plan for You
Once you’ve determined what your options are, you’ll need to find a health plan that meets your needs. There are a few things to consider when choosing a health plan, such as:
– Your budget
– Your health needs
– The type of coverage you want
– The network of providers you want to use
If you’re not sure what plan is right for you, you can contact a licensed health insurance agent for help.
Don’t Wait to Get Covered
If you’re returning to the US, don’t wait to get health insurance. Having health insurance will protect you from unexpected medical expenses and give you peace of mind.
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