When can you get health insurance?
Free Insurance Providers Comparison
Secured with SHA-256 Encryption
UPDATED: Mar 19, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- You can enroll in health insurance if you have certain qualifying life events such as marriage or the birth/adoption of a child
- Open enrollment for health insurance typically occurs in the fall of every year
- Check with the insurance provider you want to work with to learn when you are eligible to enroll
One thing that is absolutely certain in life is that our lives do not remain exactly the same from year to year. We all go through periods when we are able to relax a bit and enjoy the changes, but we know that unexpected things will sometimes throw everything off balance.
Health insurance gives us peace of mind that we will be able to take care of ourselves in case the unexpected happens. Compare health insurance rates now by using our FREE tool above!
Whether you are looking to change your health insurance coverage or looking for replacement coverage, you need to be aware of the times at which point you can obtain new coverage.
Every year whether you have healthcare available through your employer or need to obtain individual coverage, you have access to an Open Enrollment Period when you can purchase healthcare insurance.
A great advantage of the Open Enrollment Period is that anyone who applies for coverage is able, by law, to obtain a policy. Insurers are required to provide coverage to everyone who applies.
You will not need to provide any type of proof that you are insurable, nor will you need to undergo an in-depth physical exam prior to being insured.
It is most important that you learn when the Open Enrollment Period is scheduled. If you do not enroll during this time, unless you experience a Qualifying Life Event, you will not be able to obtain coverage until the next Open Enrollment Period.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Qualifying Life Events
The Affordable Care Act allow an individual to obtain new coverage or change existing coverage when he or she experiences a qualifying life event. These life events not only have an impact on your day to day life, but they also make you eligible for a Special Enrollment Period (SEP). During the SEP for your particular life event, you are typically given 60 days in which to obtain coverage.
Following are many of the qualifying life events that will allow you to enroll in healthcare coverage outside of the Open Enrollment Period. Please note that this is not a complete list of reasons you may be eligible to enroll outside of the scheduled enrollment period.
- Marriage or divorce
- Birth or adoption of a child
- Loss of coverage due to loss of job or change of student status
- Loss of coverage due to aging out of a parent’s healthcare plan – usually at age 26
- Loss of coverage due to the death or job loss of a policyholder who covered you under his/her policy
- Relocation to any new address
- Any address changes to or from transitional housing or leaving incarceration
When You are Ready to Enroll
Along with reviewing co-pays, procedures covered, and premium amount, one of the most important things you can do is make sure you understand what may happen when life changes again.
Enter your zip code in our FREE tool below to compare car insurance rates now!
Read all of the information about any plan you are considering to make sure you know when you’ll be able to add dependents, how to change your address and your payment choices.