Losing Health Insurance? What To Do Next!
If you’ve lost or will be losing job-related health insurance in the midst of the coronavirus crisis, you need to take action quickly. A number of options have time-limited deadlines, ranging from 30 to 60 days from the loss of coverage, so it’s important to promptly secure the documents, such as proof of job and health insurance loss, that you’ll need when applying for insurance under the Affordable Care Act (ACA) or Medicaid.
Biden administration sign an executive order that will open a special enrollment period amid the pandemic that has already claimed the lives of nearly 430,000 Americans. The Department of Health and Human Service is expected to open a three-month enrollment period from Feb. 15 to May 15, on Healthcare.gov, allowing more people to sign up for health care as COVID-19 continues to engulf the country.
*[KEY NOTE] If you experience loss of income and have been paying for your own insurance under the ACA, you can revise your estimated yearly income and perhaps get a subsidy and lower monthly premiums.
If you need to get health insurance now, mind these deadlines, which start from the date you lose your previous coverage:
- 30 days to be added to a spouse's or parent's health insurance (under 26 years of age)
- 60 days for the special enrollment period on the Health Insurance Marketplace
Click the Toggles Below for more information:
Nov 1st through Dec 15th
- Loss of health coverage
- Losing existing health coverage, including job-based, individual, and student plans
- Losing eligibility for Medicare, Medicaid, or CHIP
- Turning 26 and losing coverage through a parent’s plan
- Changes in household
- Getting married or divorced
- Having a baby or adopting a child
- Death in the family
- Changes in residence
- Moving to a different ZIP code or county
- A student moving to or from the place they attend school
- A seasonal worker moving to or from the place they both live and work
- Moving to or from a shelter or other transitional housing
- Other qualifying events
- Changes in your income that affect the coverage you qualify for
- Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
- Becoming a U.S. citizen
- Leaving incarceration (jail or prison)
- AmeriCorps members starting or ending their service