What If I Missed Open Enrollment?

Open Enrollment is not over for all states

Open enrollment for 2020 health insurance plans ended for most states on December 15th, 2019 at midnight. There was an extension following the deadline that allowed enrollment to continue in all states until December 18th at 3am EST. Additionally, select states have open enrollment extensions through January 30th, 2020.

January 30th, 2020 Open Enrollment Extensions States

  1. Washington D.C.(not technically a state, but there is an extension)
  2. New York
  3. California
  4. Colorado

If you don’t live in a state with a health insurance enrollment extension, and you did not enroll before the deadline, there are still options outside of marketplace plans. These are alternatives to marketplace plans, know as private health insurance plans, and these health plans do offer almost the same coverage as marketplace health plans.

What are marketplace alternatives?

Marketplace alternative health insurance plans, also known as private health plans, are not available through the marketplace exchange. You must contact a health insurance broker to enroll in private health insurance. Health insurance plans on the private market offer the same benefits as marketplace plans, except a few coverage options that many do not require for themselves. These few coverage options not included in private plans are what qualify marketplace health plans as “minimum essential coverage”. Because these plans don’t include this coverage, they are typically less expensive than marketplace plans if you do not qualify for a government health insurance subsidy. If you missed open enrollment however, private plans are your only option, and will provide you the financial security of requiring medical care and not having health insurance.

What qualifies as “Minimum Essential Coverage”?

  1. Ambulatory services (outpatient care)
  2. Emergency services
  3. Hospital stays
  4. Laboratory services
  5. Mental health services
  6. Substance use services
  7. Pediatric services (medical, dental and vision)
  8. Preventative care
  9. Pregnancy care
  10. Maternity care
  11. Newborn care
  12. Birth control coverage
  13. Coverage for pre-existing conditions
  14. Plan offerings in bronze, silver, gold, and platinum

Get Quotes Now!