Now that open enrollment has ended, you can enroll in a Covered California health insurance plan only if you experience a qualifying life event. The next open enrollment period will be in the fall of 2014. Remember, you can enroll in Medi-Cal at any time.
New information: If you are eligible for or currently enrolled in COBRA coverage, you can enroll in a Covered California health insurance plan through July 15, 2014. Click here to learn more.
Common types of qualifying life events for special enrollment:
- You get married or enter into a domestic partnership.
- You have or adopt a child, receive a child into foster care, or you place a child in adoption or in a foster home.
- You change where you permanently live, and you gain access to new Covered California health insurance plans. This includes moving to California from another state. This also applies to individuals who are released from jail or prison.
- You lose your health coverage. For example, you are no longer eligible for Medi-Cal, or you lose health coverage through your job.
- Your income changes so much that you become newly eligible or ineligible for help paying for your insurance. For example, if you are already getting help paying for your insurance premium, and your income goes down, you may be able to get extra help.
- You become a citizen, national or lawfully present individual. This event applies only to people who were not previously citizens, nationals or lawfully present.
- Your enrollment was wrong, due to the misconduct or misrepresentation of your health insurance company, Covered California or a non-Covered California entity (such as a Certified Enrollment Counselor).
- You applied for health coverage before March 31 and got a denial for Medi-Cal after March 31. If you were incorrectly denied Covered California or Medi-Cal coverage, you can also file an appeal.
- If you are a member of a federally recognized American Indian or Alaska Native tribe, you may enroll in health insurance or change your health insurance plan once a month even if the open enrollment period is over.
- Covered California can also determine, on a case-by-case basis, that you experienced an exceptional circumstance, which could allow for a special enrollment period.
These are just some of the more common qualifying life events. You can read more about special enrollment here.
- After my qualifying life event, how long do I have to sign up for health insurance or change my health insurance plan in Covered California?
- How do I enroll if I have a qualifying life event?
- How do I avoid gaps in coverage?
- Can coverage start right away?
- When can I sign up for Medi-Cal?