The COVID-19 pandemic resulted in several job losses and financial hardships for many individuals and families, particularly during 2020 and 2021. Unfortunately, one of the side effects of job loss can be the loss of health insurance coverage for yourself and/or your loved ones. But if you have lost health insurance coverage in the last three years, there are options available to you to enroll in a new health plan. Explore a few of the available options for enrolling in a new plan and consult with Simerly Ayers Insurance in Fort Walton, FL for help!
Finding the Right Insurance if You‘ve Lost Coverage Since January 2020
Finding the Right Insurance if You‘ve Lost Coverage Since January 2020
Check for Special Enrollment Eligibility
If you have experienced a qualifying life event over the last three years — such as job loss, marriage, or the birth of a child — you may be eligible for a special enrollment period (SEP) for insurance. This allows you to enroll in a new health plan outside of the traditional open enrollment period. Learn more about your SEP availability by talking with our Ayers Insurance agency now!
Consider Short-Term Health Insurance Plans
Short-term health insurance plans are designed to provide temporary coverage for individuals who are between jobs or have a temporary gap in coverage; this can be helpful if you’ve lost health insurance coverage sometime in the last three years. These insurance plans typically have lower premiums but may offer less comprehensive coverage than traditional health insurance plans. Be sure to carefully review the plan’s coverage and benefits with Simerly Ayers Insurance before enrolling.
Look into COBRA Insurance Coverage
If you have lost health insurance coverage due to job loss in the last three years, you may be eligible for COBRA coverage. COBRA allows you to continue your employer-sponsored health insurance plan for a limited time, typically up to 18 months. However, you may be responsible for paying the full premium, which can be costly.
Research Options With Simerly Ayers Insurance
In addition to the options mentioned above, some states offer their health insurance programs or subsidies for those who have lost health insurance coverage. To learn more about medical insurance plans and other health insurance coverage available in Florida, contact us today!
Find the Best Health Insurance Plans in Fort Walton
If you’ve been without health insurance coverage during the last three years, there are options for you to enroll in a new plan! Carefully review the coverage and benefits of each plan with Simerly Ayers Insurance and let us help you get the protection you need.