Shorebreak Insurance Services

Getting Individual Medical Ins after open enrollment. If you didn't get insured during Open Enrollment, you can only get an Individual Plan now if you have a "Qualifying Event". This means you can enroll or change your health plan outside the open enrollment period. Most special enrollment periods last 60 days from the date of the qualifying life event.

Qualifying life events that create a special enrollment period include:
• Getting married
• Gaining a dependent or becoming a dependent through marriage, birth, adoption, or placement for adoption
• Permanently moving to a new area that has different health plan options
• Losing other healthcare coverage that is considered minimum essential coverage (Note: Voluntarily quitting other health coverage or being terminated for not paying your premiums are not considered a qualifying event.)
• A change in income that would affect an enrollee's eligibility for financial assistance
• Becoming a U.S. citizen
• As a result of an error, misrepresentation, or inaction by a QHP or agent