Obamacare News Blog

Options if you Missed Obamacare 2/15 Deadline

If you missed the Obamacare Open Enrollment deadline of February 15, 2015, there may be some things you can do.

aca update

1) Enroll During ObamaCare Extended deadlines

Technically the Obamacare Open Enrollment period ended on February 15th; however, you may be able to enroll in a plan if your state or if a provider in your state has extended the deadline. Some of these plans may still offer premium subsidies and cost-sharing subsidies. Here are the Exchange and off-Exchange providers who have extended deadlines (we will add to this list as we learn more):

  • Covered CA: Feb 22th at 6 p.m. ONLY through the help of a certified agent (Updated 2/19/15)
  • Healthcare.gov: Feb 22nd
  • MNSure: Feb 20th at 5 p.m.
  • Maryland Health Benefits: Feb 28th
  • Cigna: Feb 25th ONLY Cigna Paper Applications
  • Oscar: Feb 28th NY State

Note: Even if an Exchange is listed they may require certain qualifications.

Nevada Offers Year Round Off-Exchange Enrollment

According to Anthem’s website, if you live in Nevada you can enroll year round in an off-Exchange plan, without having to meet any requirements. We will update this information as we learn more.

2) Enroll During Your Obamacare Special Enrollment Period

If you don’t qualify for an extended enrollment period, you may still qualify for a Special Enrollment Period. This period is when you have a qualifying life event and you generally have 60 days to enroll from the triggering event. Here is a brief list of some qualifying life events:

  • Just got Married
  • Just got Divorced
  • Loss of Job-Based Insurance
  • Adopt a Child
  • Released from Prison

There is also an ObamaCare Special Enrollment Period during tax season. This is only for those who currently do not have a plan and owe a penalty for 2014.

3) Enroll in Short-Term Insurance

If you don’t qualify for either an extended enrollment period or for a Special Enrollment Period, then you can apply for short-term insurance. While you will still be responsible for the Obamacare tax penalty for not having qualifying insurance, you will be able to have health insurance and limit your out of pocket spending.

4) Dental and Vision Plans Enrollment Year-Round

Because dental and vision plans (except for pediatric dental/vision) are not part of the Affordable Care Act, you will be able to enroll in these year round. Click here to get a dental quote.

Any further questions about enrolling in any of the above plans call 800-930-7956.

Comments and Questions

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Comment from javier perez on June 11, 2015

I missed the 2/15/15 deadline to enroll because I was in Mexico with my sick mother.  I am a legal U.S. citizen.  I am an Independent Contractor for Gardening.  Can I get short term insurance now?

You can definitely get short-term care (as long as you don’t have certain medical conditions), but you might have a qualifying life event to allow you to enroll in a major medical plan on or off the Obamacare exchange. Please call us 800-930-7956 and we can help you figure out which one applies to you.
-Amy from www.medicoverage.com

Comment from Steve on February 19, 2015

The number one option title says “1) Enroll During ObamaCare Extended dealines”. ‘Deadlines’ needs a little TLC.

Good catch! Will fix it right now.
-Amy www.medicoverage.com

Comment from Martin on February 17, 2015

This is exactly what I was looking for. I tried to sign up with Coveredca but I’m not sure my app went through. Do I call Medicoverage or Coveredca?

Thank you for our question. You would need to work with an agent to get your application past the finish line before Feb 20th. Give us a call at 800-930-7956 to help you out.
-Amy www.medicoverage.com

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