You can still enroll in health care for 2016 at any time of the year if you qualify for a Special Enrollment Period (SEP). The rules about when you can make these changes and the kinds of changes you can make are different for each SEP, so please review carefully. Remember, we have local Tennessee health insurance agents to help review your Special Enrollment Period eligibility and answer any questions you may have.
These life events will generally qualify you for a Special Enrollment Period in Tennessee:
- Did you have trouble completing your enrollment process for any reason?
- Are you getting married?
- Are you having a child?
- Adopting a child?
- Placing a child?
- Permanently moving to a new place that offers different insurance options?
- Have a change in income or household status?
- For Tennessee residents already enrolled in Health Insurance Marketplace coverage, a change in income or household status that has an effect on tax credit eligibility or cost-sharing reductions could qualify you for an SEP.
- Losing other health coverage? This does not include voluntarily quitting health coverage, failing to pay your premiums or being terminated from your existing coverage. Some true coverage loss examples include:
- Your health plan being uncertified
- Job loss
- COBRA coverage expires
- Loss of eligibility for Medicaid or CHIP
- Did you lawfully become a US citizen?
- If an individual wasn’t a citizen of the United States and lawfully becomes a citizen, he/she could qualify for an SEP.
- Are you part of a Federally Recognized Tribe?
- As defined by the Indian Health Care Improvement Act, an Indian, may enroll in or change their Qualified Health Plan one time per month.
- Experience an error when trying to enroll in a Health Plan on Healthcare.gov?
- Have a change in eligibility for cost-sharing reductions or advance payments of the premium tax credit?
- Individuals whose existing coverage is through an eligible employer-sponsored plan and will no longer be affordable or credible may have a special enrollment period prior to the end of his or her coverage.
If you’ve had a qualifying major life event, you have 60 days from the life event to enroll in coverage.
What other health insurance options do you have?
If you don’t believe you are currently qualified for an open enrollment period, we recommend you speak to a licensed agent or provider and explore the purchase of private insurance outside of the marketplace. We warn that not all private insurance is guaranteed to be ACA compliant and you may still be subject to a fee, but they may help you cover your medical costs and needs. Our services are absolutely FREE to use! Call us today at (615) 541-4257 or begin your SEP enrollment now!