Special Enrollment Periods for ACA Health Insurance in Missouri

The Affordable Care Act (ACA) provides a structured time for individuals to enroll in health insurance through the Health Insurance Marketplace known as open enrollment. However, there are times when you may need to apply for coverage outside of this open enrollment period. This is where Special Enrollment Periods (SEPs) come in.

A Special Enrollment Period allows individuals in Missouri to apply for health insurance coverage if they experience qualifying life events that impact their health insurance needs. In this article, we’ll explain what qualifies you for a SEP and how to apply for ACA coverage during these periods.

What is a Special Enrollment Period (SEP)?

A Special Enrollment Period is a window of time outside of the annual open enrollment period during which you can apply for or make changes to your health insurance plan. SEPs are available to individuals who experience certain life events that change their insurance needs. These events can include things like moving to a new area, getting married, or losing your previous coverage.

Common Life Events That Qualify for a SEP

Here are some of the most common life events that may qualify you for a Special Enrollment Period:

  • Loss of Coverage: If you lose your job-based insurance or another qualifying health plan, you may be eligible for a SEP.

  • Marriage or Divorce: If you get married or divorced, you may qualify for a SEP to change your health plan.

  • Birth or Adoption of a Child: If you have a baby or adopt a child, you can apply for a SEP to add your new child to your health plan.

  • Moving to a New Area: If you move to a new address that is outside of your current plan's service area, you may be eligible for a SEP.

  • Changes in Household Size: If you experience changes in your household size (for example, a death, change in income, or gain/loss of dependent status), you may qualify for a SEP.

How to Apply for Coverage During a SEP

If you experience a qualifying life event, you can apply for health insurance through the ACA Marketplace during the SEP. To apply, visit HealthCare.gov, where you can compare plans, check for available subsidies, and complete your application. It’s important to apply as soon as possible after your life event, as SEPs are usually time-sensitive.

Contact Us

If you experience a qualifying life event and need assistance applying for a health plan during a Special Enrollment Period, Riverside Insurance Professionals is here to help. Our licensed agents can assist with navigating the process and answering any questions you have about your coverage options.

  • Phone: (573) 535-6044

  • Email: Jennifer@RiversideInsuranceProfessionals.com

  • Office Hours: Monday – Friday, 9:00 AM to 5:00 PM

For more information, visit HealthCare.gov.

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