Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
In short, you're eligible as long as you're a legal US resident/US citizen. Under the Affordable Care Act, you cannot be declined for coverage due to any pre-existing medical condition or other health-related issue. You can apply for coverage during the annual enrollment period each year - you can only apply for coverage outside of the annual enrollment period if you qualify for a special enrollment period.
It's always helpful to consult with an experienced health insurance broker if you're trying to determine when you can apply for coverage. We can also help you pick out the plan that will be the most suitable option for your needs and budget. Please let me know if I can be of further assistance. Thanks very much.
It is difficult to understand the exact context of your question. If it is in the most general sense then you need to be a U.S. citizen or legal resident to be eligible for insurance coverage. If you are talking about when you become eligible for coverage at your place of employment that offers group health insurance that will vary somewhat depending upon their personnel policies. In 2014 and forward an employer cannot have a waiting period of more than 90 calendar days before an eligible new hire can be covered under their group health plan. You should check with your employer or their personnel department to determine what their company's policy is, though this should have been explained to you at your time of hire. Finally, if you are talking about what happens when you show up at the doctor's office, pharmacy or hospital, they will want to see your insurance I.D. card and will call your insurance carrier to verify that you are eligible for coverage (some people try to use their I.D. card from a company where they are no longer employed and no longer covered through) and what your benefits are.
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It's always helpful to consult with an experienced health insurance broker if you're trying to determine when you can apply for coverage. We can also help you pick out the plan that will be the most suitable option for your needs and budget. Please let me know if I can be of further assistance. Thanks very much.