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Special Enrollment Periods in Colorado

The Obamacare (Affordable Care Act, ACA) sets limits on where you will receive health benefits. The ACA’s open enrolment policies are likely to be retained under the reforms introduced by President Trump.

Open registration will close on January 15, with plans beginning on February 1, 2021. Open registration re-opens on November 1, with arrangements beginning on January 1, 2022.

Irrespective of your strategy, reforms to the ACA will have a huge effect on your finances, so you better get everything right. Our mission is to help you understand your situation, to analyze your choices, and to choose the best plan at the lowest possible cost, as quickly and effectively as possible.

After the open enrollment expires, you can also be able to obtain benefits if you’ve got a qualifying incident that causes a special registration time.

The regulations on open enrollment extend to eligible health insurance policies available to individuals and families by Connect for Health Colorado, as well as those provided directly by insurance companies.

Is A Qualifying Event Required In Special Enrollment Period?

After Open Enrollment closes, individuals could get a new ACA-compliant program if they also have a “Qualifying Event” that activates a Special Enrollment Period. Please notice that appropriate qualifying events can vary between off-exchange and on-exchange incidents and also from one carrier to another.

Because of the uncertainty of what qualified events are appropriate both on and off the market, it is important to consult with a health insurance provider who can help you find the right health insurance value for your individual life situation.

Are there Off-Exchange Qualifying Events?

Common Qualifying Events for insurance carriers:

• Returns from active military duty
• Permanently moves to a new area that offers different health plan options
• Involuntarily losing other health coverage
• Gains immigration status or citizenship
• Released from incarceration
• Experienced an error in enrollment

Loss of Health Insurance Coverage Due to:

• Involuntary loss of employer-sponsored insurance
• Change independent status as a result of turning 26
• Divorce
• Change in full-time employment status
• Discontinuation of a current plan that doesn’t meet health care reform requirements
• Legal separation
• Termination of domestic partnership or civil union

Death of a parent or spouse

Gaining or Becoming a Dependent Due to:

• Guardian/court-ordered dependent
• Placement for the adoption of child/children
• Birth of child/children
• Adoption of child/children
• Domestic partnership

Connect for Health Colorado Qualifying Events?

Additionally, Connect for Health Colorado provides these examples of Life Change Events that can help you get new coverage. Events that allow CURRENT customers to shop for a new plan:

• Change of residence (if moving out of a service area)
• Incorrect or inappropriate enrollment NOT due to a customer error
• Gain or loss of eligibility for the tax credit or cost-sharing reduction
• Change of American Indian/Alaska Native status

Can New Customers Shop for Health Plans Under Different Conditions?

• Moving to Colorado from out of state
• You applied for coverage and financial assistance before April 15, and you just got a Medicaid denial
• A customer can show that their health plan has violated a provision of the contract.
• Marriage or civil union
• Change in incarceration status
• A gain of Citizenship or Immigration status
• Your employer-provided coverage is no longer available

Enroll for Health Insurance Today

Let us help you determine the solutions available on and off your health care contract. Our services are fully free of charge, and there is no extra charge for the broker to use. If you may not have a qualifying case, you might still want to seek an inexpensive temporary health care package to help fill the gap in coverage.

Are you a resident of Alabama and looking for a special enrollment period especially at this Covid-19 time? Worry no more, Health Insurance Plans is here for your aid. Contact us at (833) 572-0898 for quotes for whatever form of insurance package you see fit for yourself or for your household too.

References and Resources

Special Enrollment Period

Open Enrollment 2021 Guide