When Is Open Enrollment 2020?
The 2020 Open Enrollment Period started on November 1, 2019, and ended December 18, 2019, for most states.
Some states opted to extend their specific Open Enrollment 2020 periods.
The first day the coverage begins is known as the effective date. Most states’ Open Enrollment 2020 deadline (December 18) corresponded with an effective date of January 1, 2020. This means that, as long as you enrolled by the December 18 deadline, your 2020 coverage started on January 1, 2020, the first day of the year.
I’m Concerned About the Covid-19. Can I Still Purchase Health Insurance for 2020?
Some state-run exchanges have enacted Special Enrollment Periods (SEPs) in response to the coronavirus (COVID-19) outbreak. These SEPs allow state residents to buy individual health insurance plans if they weren’t previously insured for 2020 or lost coverage.
My State Does Not Have a SEP for the Coronavirus. Can I Still Get Coverage?
Yes. You have choices if you missed the 2020 Open Enrollment Period, and you do not qualify for a Special Enrollment Period (SEP). You can register in a short-term health insurance plan, which is a good fit for temporary coverage. Short-term insurance coverage plans can range from 30 days to three months. Short-term health insurance plans provide the following:
- Inexpensive premiums,
- Fast approval and
- Flexible terms.
Short-term health insurance plans might be a good fit for healthy individuals, as they will not cover preexisting conditions such as the Affordable Care Act (ACA) plans.
If you do not qualify for a Special Enrollment Period (SEP) and decide not to enroll in a short-term health plan, if you missed the 2020 Open Enrollment Period and you do not qualify for a SEP, you will have to wait until Open Enrollment starts for 2021. You can qualify for a SEP if you have experienced a qualifying life event that prohibited you from meeting the enrollment deadline. Qualifying life events are as follows:
- The loss of health insurance through work or Medicare eligibility.
- Household changes such as marriage, divorce, a death in the family, or having a child.
- A change in the address of your home.
You have 60 days to enroll in a plan if you qualify for a Special Enrollment Period (SEP). But, if you miss that 60-day window, you will have to wait until OEP commences for 2021 to get an individual health insurance policy.
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