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There are many IRS qualifying events that allow you to apply for health insurance after Open Enrollment has expired. You will be eligible for federal subsidies and pre-existing conditions will be covered under this "special" enrollment period (SEP).
As a health insurance broker with more than 33 years of experience, this topic is very routinely discussed with consumers on a regular basis.
Some of the most common "events" include:
1. Exceptional circumstances (such as natural disasters and medical emergencies) near the deadline
2. Getting married (legally)
3. COBRA expiration
4. Moving to a new location outside the provider network
5. Birth or adoption
6. Citizenship change
7. Losing existing health benefits
8. Turning age 26 and/or no longer covered on parent’s policy
9. Misinformation, misrepresentation, or inaction on the part of entities providing formal enrollment assistance
10.Enrollment errors due to technical issues
11.System errors related to immigration status
12.Display errors on marketplace websites
13.Getting released from jail
14.Misinformation about availability of premium tax credits for victims of domestic abuse who are married but not filing a joint tax return
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As a health insurance broker with more than 33 years of experience, this topic is very routinely discussed with consumers on a regular basis.
Some of the most common "events" include:
1. Exceptional circumstances (such as natural disasters and medical emergencies) near the deadline
2. Getting married (legally)
3. COBRA expiration
4. Moving to a new location outside the provider network
5. Birth or adoption
6. Citizenship change
7. Losing existing health benefits
8. Turning age 26 and/or no longer covered on parent’s policy
9. Misinformation, misrepresentation, or inaction on the part of entities providing formal enrollment assistance
10.Enrollment errors due to technical issues
11.System errors related to immigration status
12.Display errors on marketplace websites
13.Getting released from jail
14.Misinformation about availability of premium tax credits for victims of domestic abuse who are married but not filing a joint tax return