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Missed Open Enrollment? Where Can You Still Get Health Insurance Plans Without a “Life Event”?

By on April 4th, 2014
Filed: Health Insurance, Health Reform

Screen Shot 2014-04-07 at 12.32.31 PMeHealth has identified 14 states where-in at least one health insurance company continues to accept new health insurance applications after the March 31 deadline for the Affordable Care Act’s (ACA) nationwide open enrollment period.

Consumers who are still without individual or family health insurance coverage have the option to visit eHealthInsurance.com or call eHealth’s Uninsured Hotline at 877-803-2369 to speak with a licensed agent and learn about the coverage options that may be available to them.

The opportunity to purchase major medical health insurance through some health insurance carriers in a certain states beyond the March 31 open enrollment deadline may end soon.

Check out this list of states with their own exchanges where you may still be able to sign up “off exchange”

Extended off-exchange enrollment available through eHealth*

In these states at least one insurer has informed eHealth that it will voluntarily accept enrollments from all applicants through the following dates:

Arizona

April 15, 2014

California

April 15, 2014

Georgia

April 15, 2014

Hawaii

April 30, 2014

Louisiana

April 15, 2014

Maryland

April 18 2014

Michigan

April 15, 2014

Nevada

Until further notice. A 90-day waiting period may apply before coverage takes effect.

New Mexico

April 30, 2014

Ohio

April 15, 2014

Oregon

April 30, 2014

Utah

April 15, 2014

Virginia

April 15, 2014

Washington

April 15, 2014
*Note that these are plans that cannot be purchased with a government subsidy.** In California, some insurers may have additional requirements to allow individuals to complete their applications by their extended deadline.Disclaimers:-        Data in this chart is current as of April 3, 2014 and it is subject to change without further notice.

 

Enrollment extensions available through state-run exchanges

 

California

April 15, 2014 for those who started to apply by March 31 and were prevented by technical issues from completing it.1

Colorado

Some {time?} may be allowed for those who tried to apply by March 31. May 1 for those who applied before the deadline but didn’t get eligibility confirmation in time.2

Connecticut

May be available for those who called the state exchange and left a message before the March 31 deadline.3

D.C.

April 15, may be available to those with an account on the state exchange and in-person or telephone enrollees who need help.4

Hawaii

Extensions may be available in some cases.5

Kentucky

Additional time may be available to those who submitted applications by the March 31 deadline.6

Maryland

Available for those who experienced technical difficulties enrolling before the deadline.13

Massachusetts

April 15, 2014 for non-subsidy-eligible applicants who had technical difficulty enrolling. Subsidy eligible can enroll at any time of year. Those in state-run temporary plans due to the Connector’s processing delays have until June 30 to enroll.8

Minnesota

Available for those who experienced technical difficulties enrolling before the deadline.13

Nevada

60 extensions may be available for those with technically difficulty enrolling at the state’s exchange .10

New York

April 15, 2014 for those who tried and failed to enroll before the deadline.11

Oregon

April 30, 2014 for all applicants.12

Rhode Island

Available for those who experienced technical difficulties enrolling before the deadline.13

Vermont

Available for those who experienced technical difficulties enrolling before the deadline.13

Washington

Available for those who experienced technical difficulties enrolling before the deadline.13
** In California, some insurers may have additional requirements to allow individuals to complete their applications by their extended deadline.Disclaimers:Data in this chart is current as of April 3, 2014 and it is subject to change without further notice.The government deadlines were obtained from the following sources and are subject to change by each state exchange without further notice:

  1. http://www.kfbk.com/articles/kfbk-news-461777/missed-the-covered-california-deadline-youre-12209065/
  2. http://www.thedenverchannel.com/news/local-news/connect-for-health-colorado-health-insurance-applicants-to-get-extra-time-to-finish-applications
  3. http://www.ctpost.com/local/article/State-relaxes-health-care-deadline-sort-of-5364805.php
  4. http://dailycaller.com/2014/03/31/poll-three-fourths-think-uneven-obamacare-enrollment-extensions-unfair/
  5. http://hpr2.org/post/health-insurance-deadline-now-comes-wiggle-room
  6. http://www.kentucky.com/2014/04/01/3173570/kentucky-extends-deadline-for.html?sp=/99/131/#storylink=cpy
  7. http://www.nytimes.com/2014/03/26/us/politics/obama-administration-extends-health-enrollment-for-some.html?emc=edit_tnt_20140325&nlid=58462464&tntemail0=y&_r=0
  8. http://www.bostonglobe.com/metro/2014/03/27/massachusetts-extends-deadline-enroll-health-coverage/Zclwp8p7BS7NrmnwDgNaOO/story.html
  9. http://minnesota.cbslocal.com/2014/04/02/reality-check-the-consequences-of-not-signing-up-for-mnsure/
  10. http://www.capradio.org/articles/2014/03/24/nevada-extends-deadline-for-health-insurance-enrollment/
  11. http://www.bizjournals.com/albany/blog/health-care/2014/03/new-york-state-extends-deadline-to-enroll-in.html
  12. http://www.katu.com/news/investigators/Cover-Oregon-Apply-for-insurance-in-April-and-avoid-federal-penalty-253302181.html
  13. http://www.providencejournal.com/breaking-news/content/20140328-healthsource-r.i.s-signup-deadline-still-march-31-despite-federal-extension.ece
  14. http://info.healthconnect.vermont.gov/sites/hcexchange/files/Press%20Release…March%2031.pdf
  15. http://www.theolympian.com/2014/03/27/3057344/washington-health-exchange-wont.html
  • Specific carrier’s extension timelines are determined and provided by each carrier. These dates are subject to change by carriers.
  • Coverage effective dates for applications for major medical insurance completed during these extended periods will be determined by the carriers based on their specific rules and guidelines.

Enrollment extensions available through the Federally-facilitated Marketplace

(Healthcare.gov) 

Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey

New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming

The government announced that individuals who started the enrollment process by March 31, 2014 and were prevented from completing it due to technical issues would be allowed to complete their applications through April 30, 2014, online or through the marketplace call center (This includes paper applications that were received by April 7, 2014).

Health insurance companies in other states may also decide to accept applications.

It is important to note the following regarding the major medical health insurance that is still available in certain states:

  • These major medical health insurance plans meet the benefit requirements of the ACA and, if the health insurance carrier accepts your application even though it is submitted after the end of the open enrollment period, you cannot be turned down based on pre-existing medical conditions.
  • Depending upon the health insurance company, it is not necessary to have started a health insurance application on the federal health insurance exchange prior to the March 31, 2014 deadline in order to apply for coverage.
  • Online enrollment through eHealthInsurance.com may be available. In other cases, telephonic enrollment may be required.
  • Government subsidies may no longer be available for persons applying for coverage outside of an ACA-mandated open enrollment period who have not experienced a qualifying event triggering a special enrollment period under the ACA.

The 2014 nationwide open enrollment period established by the Affordable Care Act began on October 1, 2013 and continued through March 31, 2014. During that period, health insurance companies offering plans either through government exchanges or off of government exchanges were required to accept applications, and qualifying consumers were eligible to apply for government subsidies to help make their monthly premiums more affordable.

After March 31, 2014 and until November 15, 2014, when the next open enrollment period is currently scheduled to begin, health insurance companies are generally not obligated to accept applications for coverage unless the applicant has experienced a qualifying life event (such as marriage, the birth of a child and certain other events). However, the ACA allows insurance companies to voluntarily continue to accept health insurance applications outside open enrollment under certain conditions – for example, that it is permitted under state law, that the plans offered meet the coverage requirements of the ACA, and that no applicant is declined or charged a greater premium based on his or her medical history.

To learn more about health insurance options available outside of the nationwide open enrollment period, consumers should visit eHealth’s Affordable Care Act Resource Center.

Notes:

1 Enrollment opportunities within these states are subject to change and eHealth cannot guarantee that insurers will continue to accept applications.

 

About Nate Purpura


Nate Purpura is a 15-year veteran of print and broadcast journalism, corporate communications, PR and internet marketing. He’s spent the last decade working in the health care and insurance industries. Over fifteen years he’s covered numerous areas of health care including pharmaceuticals, health and wellness programs, chronic disease management programs, cutting-edge diagnostic tools, Medicare and health insurance, and online marketplaces (exchanges).

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