When Does Open Enrollment End?

You might have noticed while you were looking through health insurance packages there is a deadline to when you can apply. Were you to apply within this range of dates, you have a high possibility of acquiring the service you need. However, not everyone has an idea of when these deadlines are, and you might even be one of these people. Thankfully, there is a way to find out this answer without the need to pull out your hair.

Luckily, there are some health insurance companies trying to create as many openings for you to acquire this service. Insurance Line One’s year-round open enrollment allows those who missed the deadline to obtain coverage. People live busy lives and time can get the best of us, it’s not fair to deny them because of this. Nonetheless, being mindful of when the deadline ends will be a beneficial piece of information to harvest.

Nationwide Open Enrollment Deadline

The deadline for when you can apply for health insurance is pretty stagnant among the states. Nationally, the time to apply for health insurance for the year 2019 is between November 1, 2018, and December 15th, 2018. However, there are several states and the District of Columbia who have just extended the deadline to allow more people the ability to apply.

Read More

  • California: October 15th, 2018 to January 15th, 2019
  • Colorado: November 1st, 2018 to January 15th, 2019
  • District of Columbia: November 1st, 2018 to January 31st, 2019
  • Massachusetts: November 1st, 2018 to January 23rd, 2019
  • Minnesota: November 1st, 2018 to January 13th, 2019
  • New York: November 1st, 2018 to January 31st, 2019
  • Rhode Island:  November 1st, 2018 to January 31st, 2019

Unfortunately, if you don’t live in these states you need to follow the deadline set across the nation. Although, if you do miss this deadline there is special enrollment to help you out. Qualifying for this program will allow you to apply for health insurance even with open enrollment closed. To qualify you must fall under one of the several factors available.

Changes in households are some of the most common reason as to why people need special enrollment. Adding another member  into your family, or losing one, will allow you to apply for special enrollment. For instance, marriage isn’t just a celebration, but it’s the inclusion of someone you love into your family. Comparatively, were you getting a divorce then you will still be able to apply.

Moving to a new area will also allow you to apply for health insurance after the deadline. Although, losing coverage is difficult to come to terms with, you will be able to apply right after. In addition to these factors, gaining membership to the First Nation will open you up to new opportunities, as well as leaving incarceration. There is a laundry list of reasons to help you qualify for special enrollment, which is why it’s unnecessary to get coverage. After all, going uninsured is guaranteeing you save money.

Dangers of Going Uninsured

There are many reasons to obtain coverage, many revolving around your physical well-being. Within the uninsured population there is an estimated 49 percent who don’t have a usual source of care. This is almost 14 million doing this, and you might even be in one of these terrible situations. Without someone to go to for care you are more likely to push off care you need.

Read More

As a matter of fact, 23 percent of the uninsured will delay a visit to the doctor because of the costs. This can turn a simple fracture of the arm—2,500 dollars for recovery—into a major break, which can cost 16,000 dollars or more. However, this is in the hopes you actually get this treated when you notice it. At least 20 percent of the uninsured will delay a needed procedure because they don’t make enough for it.

This can be one of the last things you do. Chest pain can be a sign of a heart attack, and ignoring this can result in your death. Although, with the advancements in medical research and technology this is rather unlikely. But, the cost for recovery is enough to cause shock in recuperating patients. Needing treatment can cost anywhere from 30,000 dollars to 200,000 dollars.

Considering at least 50 percent of the uninsured population makes less than 24,000 dollars this will be nearly impossible to pay off for many. Most will be sent to collections where they will start to compound medical debt. This medical debt is capable of ruining your credit score, and even if you do pay it off your score won’t immediately rise back to normal. This is why it’s important to remain vigilant on your medical charges, and with a reputable health care provider you will be able to easily.

Choosing the Best Healthcare Provider

There are many health insurance companies out there; all trying to sell you the same product with minor changes. However, these slights can be the difference in paying 200 a month and 300 dollars a month. Insurance Line One wants to change this practice, which is why we lay out everything we have to present in a easy to read format. This allows you to meticulously analyze the plans available and prevents any confusion from occurring.

Read More

Being able to completely understand it will allow you to take advantage of this service to its fullest. Our year-round open enrollment will enable you to take as much time as you need with this important decision. This is going to be affecting who you see and how much you pay, it’s vital to pick something suitable for your lifestyle. Nonetheless, you’ll find an affordable rate for a quality service, since our plans start a low 5 dollars a day.

Sources:

https://www.insure.com/health-insurance/open-enrollment-for-individual-health-insurance.html

https://www.ehealthinsurance.com/resources/affordable-care-act/2018-open-enrollment-period-extensions

https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/

Testimonials

About Us

  • We can provide affordable health insurance in all 50 states.
  • We enroll you 24/7/365
  • Affordable Health Insurance Plans Starting at $150 per month