Is My Health Insurance Affected If I Miss Open Enrollment?

The Closest Thing to ‘REAL’ Health Insurance

If You Missed Open Enrollment

If you’ve missed the open enrollment period and don’t have a qualifying life event that would allow you to enroll during a special enrollment period, you still have options. Although available plans outside the open enrollment period are meant to serve as supplemental coverage, they can provide a bridge to give you some health insurance protection until you can obtain traditional health insurance. It is best to discuss your options with an experienced health insurance agent in Nevada so you can make an informed decision.

If you’re a healthy individual, your options are increased. You may be able to take advantage of health insurance plans that are available year-round. These are stand-alone plans that can give you the needed health insurance coverage when you’re in a bind and need immediate coverage. You should seek the advice from a knowledgeable health insurance agent to guide you through the confusing world of health insurance to ensure you obtain the coverage that fits your needs. An experienced health insurance agent will explain your options, which may include health care sharing ministry plans, indemnity plans, and short-term health plans.

Short-Term Health Insurance Applications

You’ll find that short-term health insurance can be effective the very next day. You won’t see any income-related questions on the application and the medical history section is quite short. You should keep in mind that although you won’t need to provide an extensive medical history, the application will only address the most serious illnesses to determine your eligibility. Generally, short-term health insurance plans will have a disclaimer that says the plan will not cover any pre-existing conditions. Your Nevada Insurance Enrollment health insurance agent can provide valuable advice on how the plan works and what your needs are, thereby helping you to receive the best coverage.