Section 1311 (c)(6)(C) of the Affordable Care Act directs the Secretary of HHS to require an Exchange to provide for special enrollment periods specified in section 9801 of the Code and
other special enrollment periods under circumstances similar to such periods under part D of title XVIII of the Act.
As noted by commenters, non-enrollees may be determined eligible for
other special enrollment periods including that for loss of coverage.
Another commenter requested that no special enrollment period be given for death as
other special enrollment periods likely apply.
To qualify, you must have moved from Puerto Rico or the U.S. Virgin Islands to a state that uses HealthCare.gov to enroll in coverage, and been unable to enroll in coverage during the 2018 Open Enrollment Period or
any other Special Enrollment Period.
Not exact matches
With respect to effective dates
other than regular effective dates, meaning retroactive or accelerated coverage effective dates resulting from
enrollment under certain
special enrollment periods (including birth and marriage), resulting from the resolution of appeals, or resulting from amounts newly due for prior coverage based on issuer corrections of under - billing, we considered a premium payment deadline of 10 - 15 business days from when the issuer receives the
enrollment transaction.
Regardless of whether you purchase insurance through the exchange or off - exchange, the annual open
enrollment window applies, and
special enrollment periods are necessary in order to enroll at any
other time of the year.
Comment: A commenter requested that HHS reduce the number of
special enrollment periods other than qualifying life events.
One commenter opposed the effective dates for
special enrollment periods under § 155.725 (j) and recommended allowing States flexibility to prescribe their own effective dates for initial, annual, and
special enrollment periods, because there may be
other implications to the effectuation of coverage for employees and dependents with a
special enrollment period.
And although individual market coverage is limited to set
enrollment periods, loss of
other coverage counts as a qualifying event that triggers a
special enrollment period, regardless of when it happens during the year.
Other commenters recommended maintaining the 60 - day
special enrollment period.
Other commenters requested that, when an individual reports that he or she is a victim of domestic abuse, it triggers a
special enrollment period, so that he or she may select and enroll in a qualified health plan on a separate application from his or her abuser, along with any dependents.
Other commenters requested restrictions in the number and availability of
special enrollment periods.
The proposed revisions in paragraph (b)(2)(i) align regulatory policy for
special enrollment periods based on a court order with
other similar
special enrollment period types, and create operational efficiencies for Exchanges by streamlining effective date options across similar
special enrollment period qualifying events related to a qualified individual gaining or becoming a dependent.
The addition of paragraph (i) required further amendments to the rule to maintain the availability of the permanent move
special enrollment period for certain
other individuals who should continue to be able to access this
special enrollment period without the requirement of being previously enrolled in minimum essential coverage.
After weighing our options, we determined that codifying these currently available
special enrollment periods is in the best interest of consumers and
other Exchange stakeholders.
Things that change the size of your family or cause you to lose
other health insurance coverage are likely to trigger a
special enrollment period.
One commenter requested restricting the eligibility of the
special enrollment period for gaining access to new QHPs as a result of a permanent move to only consumers who were previously enrolled in
other minimum essential coverage, and only allowing the new dependent to enroll in or change his or her
enrollment into a new QHP under the
special enrollment period described in paragraph (d)(2).
Special enrollment periods, a longstanding feature of employer - sponsored coverage, exist to ensure that people who lose health insurance during the year, or who experience
other qualifying events, have the opportunity to enroll in coverage.
Furthermore, consistent with similar exclusions under the marketwide regulations for Exchange - specific
special enrollment periods, we are also clarifying that the triggering event described at § 155.420 (d)(6) will not create a
special enrollment period to enroll outside the Exchange to the extent it concerns an individual who becomes newly eligible for APTC or who has a change in eligibility for cost - sharing reductions
other than a total elimination of eligibility, since financial assistance is only available for coverage purchased through an Exchange.
Conversely,
other commenters expressed concern about the elimination or limitation of existing
special enrollment periods without documented proof of abuse.
Others have stated that any differential costs for the
special enrollment period population reflect the very low take - up rates for
special enrollment periods among eligible individuals.
A few commenters recommended that HHS continue to focus on eliminating and further streamlining
special enrollment periods so that
special enrollment periods on the Exchange more closely align with those in
other coverage programs, such as Medicare or those found in HIPAA and related regulations.
Thus, at the Exchange's option, qualified individuals who qualify for a
special enrollment period due to gaining or becoming a dependent through birth, adoption, placement for adoption, placement in foster care, or through a child support or
other court order, would be able to elect from the same coverage effective date options, including: the date of qualifying event, the first day of the month following plan selection, or regular coverage effective dates in accordance with paragraph (b)(1).
Other commenters suggested that the coverage of consumers who were ultimately found to be ineligible for
special enrollment periods which they used to enroll in coverage or did not submit the necessary documentation in a timely manner should be canceled as of the date the
enrollment became effective.
This is important to ensure that they continue to be available, are equitably applied across Exchanges, and that consumers, assisters, issuers, and
other stakeholders have a common understanding of the parameters and coverage effective dates associated with each of these
special enrollment periods.
To buy Marketplace insurance outside of Open
Enrollment, you must qualify for a
Special Enrollment Period due to a qualifying life event like marriage, birth or adoption of a child, or loss of
other health coverage.
Other commenters requested the expansion of existing
special enrollment periods, including adding provider network and drug formulary errors to the
special enrollment period for plan or benefit display errors under paragraph (d)(4) of this section, allowing dependents of Indians to enroll in or change
enrollments along with the Indian through the
special enrollment period in paragraph (d)(8) of this section, and allowing for a retroactive coverage start date for consumers who qualify for the
special enrollment period due to a loss of minimum essential coverage in paragraph (d)(1) of this section.
«
Special Enrollment Periods» (SEP) continue to be available if you lose existing qualified coverage through an employer, by moving to a different area, from a divorce, having a baby, and several
other scenarios.
Similarly, if you lost
other health coverage, that will trigger a
Special Enrollment Period, depending on the circumstances.
However, if you've recently lost
other comprehensive health insurance coverage, you might be able to enroll even before open
enrollment if you meet the health plan's requirements for a
special enrollment period.
The Marketplace may ask you for documents to confirm information on your application — your income, citizenship, or immigration status, or
Special Enrollment Period (SEP) eligibility, like if you moved or lost
other health coverage.
The only
other time you can make changes is if you qualify for a
special enrollment period.
You may qualify for a
Special Enrollment Period if you lose qualifying health coverage you had through a parent, spouse, or
other family member.
With respect to effective dates
other than regular effective dates, meaning retroactive or accelerated coverage effective dates resulting from
enrollment under certain
special enrollment periods (including birth and marriage), resulting from the resolution of appeals, or resulting from amounts newly due for prior coverage based on issuer corrections of under - billing, we are considering a premium payment deadline of 10 - 15 business days from when the issuer receives the
enrollment transaction.
Known as a
special enrollment period, this exception allows you to sign up for health insurance if you lost your
other health insurance because you:
And while most
special enrollment periods follow the same deadlines and effective dates as general open
enrollment, that's not the case for
special enrollment periods that are triggered by loss of
other coverage.
Other situations may qualify you for a
special enrollment period and are considered on a case - by - case basis.
While COBRA maybe an available option for you or your family members under your former employer's group health insurance plan, you may have
other individual health insurance options available to you during the General Open
Enrollment Period or your
Special Enrollment Period through the 1) Federal Health Exchange at www.healthcare.gov, or 2) outside of the federal health exchange with a local broker or agent.
You may qualify for a
special enrollment period triggered by loss of
other coverage, and thus be eligible to enroll as late as Dec. 31 for a Jan. 1 effective date.
In
other words, you can get coverage in the exchange with these
special enrollment periods, but if you go directly to a health insurance carrier, they're not required to accept your
enrollment:
If you'd like to change your plan, you can do so now only if you experience a qualifying life event — like losing
other coverage, having a baby, or getting married — and apply with a
Special Enrollment Period.
If you applied for Marketplace coverage through a
Special Enrollment Period because you moved or lost
other health coverage, you may be asked to submit documents to confirm you qualify.
You can still get 2018 health insurance if you qualify for a
Special Enrollment Period due to a life event like losing
other coverage, getting married, or having a baby.
Some people may be eligible for
special enrollment periods based on their employment history or
other health insurance coverage they have.
Special enrollment periods are usually triggered by life - events that change the size of your family or your location, or cause you to lose
other health insurance.
For example, if you update your household income after ending coverage for one or more people and the amount of premium tax credit or
other savings changes, the remaining enrollees may qualify for a
Special Enrollment Period.
If you have signed up with a
special enrollment period, you might be familiar with the feeling of being interrogated by an insurance company, asking for proof of your prior policy termination and any
other documents proving your eligibility.