You have 60 days from the date you lost your health insurance to enroll in a new health plan. If your employer has given you advanced notice that you will be losing your insurance coverage in the near future, then you can also apply up to 60 days prior to losing your coverage.
Usually you have to wait for the Open Enrollment Period to sign up for a plan. But losing your job, and therefore your employer’s health insurance, is considered a major life event.
There are other life events that could make you eligible to enroll in an SEP, including:
The Affordable Care Act, or ACA, is the comprehensive health care reform law that aims to give individuals, families, and businesses more choices and protections in finding health insurance. These plans guarantee coverage to everyone with no exclusions for pre-existing conditions.
If you’re worried about paying for your new plan, there are two ways to help make it more affordable:
If you have questions our Highmark Representatives are ready to help you get a free quote, find the right plan for you and your family and walk you through the enrollment process.
Once you know if you’re eligible for financial help, you’ll need to decide where you’re going to buy your plan. You have two options:
These are Highmark plans that are bought through the federal government marketplace. These plans offer financial help that can lower monthly premiums and out-of-pocket costs for people who qualify.
These plans are bought directly through Highmark and do not come with any kind of financial help. Additional plans may be available off-marketplace.
ACA plans are organized by metal levels. When signing up for a plan, you can choose how you want to split up your costs with your insurer. The quality of care is the same for every level.
If an Individual or Family plan doesn’t seem like the right fit for you, there are other options that could help.
If you enroll in an Individual or Family plan through an SEP, you may experiencea gap in coverage. Conversion plans are here to help people who need coverage that begins mid-month or retroactive health coverage.
CHIP provides comprehensive health insurance coverage for children under the age of 19 – regardless of household income.
Medicaid is a federal and state program that helps cover medical costs for people with limited income and resources.
COBRA is a health insurance program that allows individuals and families to continue receiving health insurance benefits after the loss of employer-based insurance coverage. Speak to your employer’s benefit manager to learn more.
Our Highmark representatives are ready to help you find the right plan for you and your family and walk you through the enrollment process.
Talk to a Highmark representative to discuss all your options. Call: (877) 720-6352.
Highmark Blue Shield is an independent licensee of the Blue Cross and Blue Shield Association.