Can You Get Health Insurance Even If You Have Missed The Deadline?

Published July 15th, 2014 by USA Rx
Fact Checked by
Chris Riley

Here at USA Rx, we know that many of our uninsured customers aspire to get the right health insurance plan for them as soon as they possibly can. The transition to healthcare under the Affordable Care Act was a challenging time for many of our customers.

Likewise, many healthcare professionals have been concerned about the uncertainty that people still have about health insurance and related topics these days. With those things in mind, we are always trying to help clear things up for our customers.

You May Still Qualify For An ACA “Metal” Plan If You Missed Open Enrollment


Affordable Care Act “metal plans” -- Bronze, Silver, Gold, and so on -- are available during a special time of year called “open enrollment.” During open enrollment, anyone who qualifies for insurance can select an insurance plan from their state’s marketplace.

In this sense, the ACA plans are very similar to Medicare. Older individuals in America enroll in Medicare during its open enrollment period each year. Like Medicare, ACA plans can still be had later on in the year under certain very specific circumstances.

If you have had a “qualifying life event,” you may be able to enroll in an ACA plan after the deadline. Qualifying life events provide you with an opportunity to enroll in insurance because they significantly change your living situation or financial situation.



What Are The Most Common “Qualifying Life Events” For ACA Coverage?

The most common qualifying life event is moving to a different state. When you move to a different state, you will need coverage under the marketplace of that state in order to get the healthcare you might need. Your out-of-state coverage will expire.

Any time you move to a different state, you may qualify to change your healthcare options. Likewise, there are some states where moving to a different county might provide you with this opportunity because new options become available.

Getting married or divorced also count as qualifying life events -- and having children can also be a qualifying event. Anything that changes your living situation significantly might provide you with different healthcare opportunities.


What Can You Do To Control Costs While You Wait For ACA Eligibility?

One of the most important ways to control healthcare costs is to reduce the cost of prescription drugs. To find out more about how you can do it with a USA Rx pharmacy discount card, call or email us today.





Published July 15th, 2014 by USA Rx
Fact Checked by
Chris Riley

Was this article helpful?

Put drug prices & coupons in your pocket!

We'll text you a link to download our free Android or iPhone app