Many consumers don't understand that policies are available to help them regain or maintain health coverage. COVID19 healthcare
The coronavirus pandemic — and the economic fallout that has come with it — boosted health insurance enrollment counselor Mark Van Arnam's workload. But he wants to be even busier.
Under the federal health law, people who experience certain "life events" — such as moving, getting married, having a baby or, in this case, losing your job and job-based coverage — qualify for a special enrollment period. They can sign up for new coverage without waiting for the open enrollment period, which generally occurs near the end of each calendar year.
"Even in good times, employees almost always need help from their HR department to identify what they needed to provide," said Deepak Madala, program manager for Enroll Virginia, a nonprofit that helps people sign up. It's also important to watch the calendar if you live in a state that runs its own marketplace and opened it for a special enrollment period because of the coronavirus outbreak. Some windows of opportunity have now closed, but in Maryland and Vermont, the deadline is June 15. Special enrollment in California is scheduled to remain open until at least June 30 and in the District of Columbia until Sept. 15.
If seeking this special enrollment, applicants may need to ask for a supervisor when calling healthcare.gov, said Straw, as front-line staff may not be as well versed in the exception.That's because this joint federal-state health program doesn't require a special enrollment period. Applicants can seek to enroll at any time during the year and eligibility is based on income and other qualifying factors.
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