Our Blog

Visit us often to learn what the latest and greatest news may be in the Health Insurance world.

Special Circumstances May Let You Qualify for Health Coverage

If you missed the application deadline for receiving 2018 healthcare coverage through the Washington Health Benefit Exchange, certain circumstances could allow you to apply for insurance during this year.

Such circumstances, under the Affordable Care Act (also known as Obamacare), allow you to qualify for enrollment under a so-called Special Enrollment Period.

We’ve listed some of the most common qualifying circumstances in two previous blog posts, such as getting married or losing employer-sponsored coverage. However, some people will qualify under less common situations.

Some of these include:

  • Becoming a U.S. citizen, thus newly eligible for coverage
  • Leaving prison
  • Starting or ending your service with AmeriCorps State and National, VISTA (Volunteers in Service to America), and NCCC (National Civilian Community Corps)
  • Changes that make you no longer eligible for Medicaid or the Children’s Health Insurance Program (CHIP)
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder

Other less common circumstances allowing you to apply under a Special Enrollment Period include:

  • Gaining or becoming a dependent due to a child-support or other court order. Your coverage starts on the effective date of the court order, even if you enroll up to 60 days after the date of the order.   
  • Experiencing domestic abuse or spousal abandonment

You may qualify to enroll in a health plan separate from your abuser or the person who abandoned you. Your dependents may be eligible too.

If you’re married to your abuser/abandoner, you can state on your application that you’re unmarried, without fear of penalty for mis-stating your marital status. You can then become eligible for a premium tax credit and other savings on a plan, if you qualify based on your income.

[ Past Articles ]