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Plans such as short term medical or fixed indemnity insurance may be an option for you.
You can apply for these plans any time of the year, and in some cases, you can have coverage as soon as tomorrow. These options can make sense if you are:
- Waiting for the next ACA open enrollment period
- Looking for coverage to bridge you to Medicare
- Turning 26 and rolling off your parent's insurance
- Between jobs or waiting for benefits to begin at your new job
- Needing a temporary alternative to COBRA insurance
- Losing coverage following a divorce
- Under 65 and in good health
GoHealth puts experts at your fingertips
Certain life events typically give you 60 days to obtain coverage. We can help, so don’t wait. Although the annual federal open enrollment period for health insurance has ended, major life changes may qualify you to buy health insurance now. Some changes include:
- Family changes like getting married or the birth (or adoption) of a baby
- Loss of health coverage from your employer
Qualifying events such as these generally mean you have 60 days to enroll in a health plan. The TruStage® Health Insurance Program gives you access to GoHealth. Licensed insurance agents are ready to confirm if your event qualifies, check your eligibility for financial assistance, and help you find, compare and buy coverage.
Many people qualify for financial assistance.
Financial assistance for your health plan could be available to you and your family. Many factors are considered, including household income and the number of people in your family. Many people qualify.
Here are general examples of people who could qualify for financial assistance:1
- Individuals with an annual income below $51,040
- Couples with a combined annual income below $68,960
- Families of four with a combined annual income below $104,800
As you research your options online or by phone, you’ll have access to tools and representatives who can help determine if you qualify. And even if you don’t qualify, our program can still help you find a good plan and a solid value.
Frequently asked questions
Decisions about your health insurance are some of the most important ones you can make. Who will provide your care? How much will it cost? What are the options? What is the best choice for you and your family?
To help you find the answers, we’re proud to work with GoHealth – the nation’s leading health insurance marketplace. GoHealth has helped more than 5 million consumers shop for coverage, connecting individuals and families with the right plans to meet their needs.2
Even though health insurance plans offer yearly periods of open enrollment, specific life events may allow you to obtain or change coverage at any time.
Whether it’s a change in household size (including marriage, divorce, a new baby, and adopting a child), losing coverage through your employer, moving out of your current coverage area or even gaining citizenship, qualifying events mean you have 60 days to buy health insurance coverage.
With the TruStage Health Insurance Program, you can use GoHealth to find the coverage you need and complete your enrollment within the 60-day window. Call 1-855-776-2771 to get details.
These are just some of the events that could qualify you to buy health insurance outside of the annual open enrollment period:
- Marriage or divorce
- Birth or adoption of a child
- Loss of health coverage from your employer
- Aging off of a parent’s plan
- Moving your residence outside of your plan’s coverage area
- Group coverage discontinued by your employer
- An involuntary loss of an individual policy plan
- COBRA expiration
- Losing eligibility for Medicaid or CHIP
- Gaining citizenship
- Placing a child for adoption
- Leaving incarceration
Call 1-855-776-2771 today and GoHealth licensed insurance agents can confirm if your event qualifies. They can also check your eligibility for financial assistance and go over your options if you don't have a qualifying event.
Health insurance is typically only available during the open enrollment window established by the Affordable Care Act (ACA). When you experience a qualifying life event, the special enrollment period is a short window of time for you to sign up for health insurance. From the date of the event, you generally have 60 days in which you can buy health coverage that fits your changing needs.
If you miss the deadline, you may have to wait until the next open enrollment period to get insurance coverage. Don’t wait. Call 1-855-776-2771 to get details.
When you experience a qualifying life event, you can choose from the same major medical health insurance options that are available from GoHealth during open enrollment. You have access to licensed insurance agents and tools to help you understand your options, compare health insurance plans and find the best value. With the TruStage Health Insurance Program and GoHealth, you can make confident decisions and find coverage that's designed to be affordable and match your new life.
Licensed insurance agents at GoHealth are ready to determine if your event qualifies, simplify the process, offer advice, provide quotes and help you get the right plan for your family. They can even help you determine whether you qualify for various levels of financial assistance and assist with the final calculations.
If you haven’t had a qualifying life event outside of the open enrollment window, GoHealth does offer Major Medical alternatives such as short term medical or fixed indemnity insurance. You can apply for these plans any time of the year, and in some cases, you can have coverage as soon as tomorrow.
When you buy coverage during a special enrollment period, the effective date of coverage depends on when you enroll.
If you sign up by the 15th day of a month, coverage generally begins on the first day of the next month. If you sign up after the 15th, coverage begins on the first day of the following month.
GoHealth licensed insurance agents are ready to assist you with answering all your questions.
Don’t miss your chance to get the coverage you need. Once the 60 day window for your qualifying event ends, you will have to wait until the next yearly enrollment period to buy a plan (unless you have another qualifying event).
Call 1-855-776-2771 today to get started today. You can also sign up for our reminder emails, and we’ll help you stay on track with making your choices on time.