Having health insurance is one of the smarter you can do financially. Not only health insurance help you and your family's health to be protected; it helps protect your financial security.
An unexpected injury or illness can throw your health and finances for a loop, and that's the last thing you need. (Did you know that unpaid medical bills are a leading cause of personal bankruptcy * in the US?)
If you are looking for health insurance for the rest of the year you still have options, even if Open Enrollment ended.
full health insurance
things have changed for you? you might be able to reapply for individual or family health insurance if you have had a life qualifying event.
a qualifying life event is a change that affects the type or amount of insurance you need.
The most common qualifying life events are:
- Change in family status, such as marriage, divorce, birth or adoption of a child
- involuntary loss of other coverage (to change jobs or lose coverage through a spouse, for example)
- substantial changes to your income
- the move to a new area not served by your current plan
- changes to citizenship
- aging out of the plane of a parent -. Once a child reaches the age of 26, they are no longer able to be a dependent in terms of a parent
If you experience any of these events , you may be eligible for a special enrollment period, and you may request a new coverage within 60 days from the date of the event.
the effective date of your new coverage will depend on your particular situation, but in general, if you apply before the 15 e of the month, your coverage will begin the first day of the month following.
short-term insurance
If you do not qualify for a special enrollment period full insurance, your best option is to join a short-term health plan for the rest of the year.
- short-term plans save you from having to pay the full cost of unexpected health care if you have an accident or a serious illness.
- Plans are often very affordable and you can usually get your application approved in a few days, and your coverage can begin soon after.
- It is important to note that the short-term plans do not cover all the things full health insurance coverage, such as preventive care, medical examinations, vaccinations, and dental or vision . They also may not cover care for pre-existing conditions.
It may be tempting to join a short-term plan instead of the comprehensive health insurance because they are often cheaper.
However, coverage is more limited and short-term plans do not meet the coverage requirements of the Affordable Care Act, which means that you may still have to pay a fine for not have full health insurance. If you have the option of comprehensive health insurance instead of short-term, you must choose that.
It can be difficult to understand where health insurance is right for you. Fortunately, there are excellent resources to help you navigate your options and sort all the choices for the plan that is right for you.
The ConnectedHealth market offers health plans from a variety of media, and easy insurance shopping site and guidance by licensed agents can make quick work of getting your health insurance nailed .
you will have the peace of mind that you do not have unnecessary financial risk, and you can move to focus on things that really matter.
* LaMontagne, Christina. "Find NerdWallet Medical Health Accounts bankruptcy for the majority of personal bankruptcies." NerdWallet. March 26, 2014.
0 Komentar