Tag Archives: qualifying life events

Forgot To Sign Up For Health Insurance? Special Enrollment Period Is Now Open!

It is not too late to sign up for health insurance! Even though the open enrollment period ended on February 15th, Covered California and the Federal government are offering a new special enrollment period for those who were not able to sign up for health care coverage during open enrollment.

In order to qualify for the special enrollment period, you must prove that you were not aware of the tax penalty for not having health insurance in 2014, or that you may now be facing a penalty for not having health insurance during the beginning of 2015. The special enrollment period opened on March 15th, and will stay open until April 30th to give people the chance to sign up for health coverage.

It is important to keep in mind that while you now have a chance to sign up for health coverage if you are not already enrolled in a plan, the special enrollment period will not get rid of any penalties that you already have to pay. To attest that you did not know about the penalty for not having coverage, you must select “Informed of Tax Penalty Risk” on the drop down menu on the Covered California website.

In addition to the special enrollment period, there are other qualifying life events that may help to qualify you for a special enrollment period. Some of the most common qualifying life events include getting married or divorced, having or adopting a child, or moving to a state that does not offer the same health care plan that you are currently enrolled in.

For all of your health insurance needs and to ensure that you have the right amount of protection, contact the health insurance professionals at Bernardini & Donovan Insurance Services in Redlands, California.

Understanding Eligibility Of The Special Enrollment Period

With the deadline for the second Obamacare open enrollment period now in the rear view mirror, many individuals who failed to obtain health insurance before the deadline will soon be receiving penalties in the mail. Due to the enactment of the Affordable Care Act, each and every one of us is now required to obtain health coverage or receive a penalty.

If you want to avoid penalties, you must obtain health insurance. However, there is one way out of this requirement: the special enrollment period. The special enrollment period provides an individual with varying circumstances a second chance at enrolling for health care. However, you must experience one of the many qualifying life events in order to be eligible for the special enrollment period.

Life events that may make you eligible to take advantage of the special enrollment period and avoid penalties include:

  • Getting married changes your tax situation and health care needs, so you can take advantage of the special enrollment period.
  • Likewise, having a baby, adopting a baby, and placing a child in adoption or foster care all make you eligible for the special enrollment period.
  • Do not fret if your existing health coverage drops or changes, as you will be able to obtain new health insurance during the special enrollment period.
  • Permanent moves that change your coverage area or coverage requirements allow you to obtain health insurance during the special enrollment period.
  • If your citizenship status changes you can obtain health insurance during the special enrollment period.

Rather than leaving yourself unprotected, seek the care you deserve today! Contact Bernardini & Donovan Insurance Services in Redlands for all of your California health insurance needs. As Covered California experts, you can rest assured that we will be your guiding hand in the realm of health insurance and health care.