When it comes to health insurance, there are some misconceptions about when you can and cannot purchase health insurance. If you are in the market for health insurance, The Insurance Shop USA, serving Sandpoint, ID, would love to help clear some of these misconceptions up. Here is some information you should know if you are looking to buy health insurance.
Can You Buy Health Insurance Year Round?
There is no one size fits all answer to this question. If you are buying private insurance, you can buy the insurance policy whenever you would like to. If you are buying insurance through your employer, you can only buy when you become eligible, when they have open enrollment periods, or if you have a qualifying life event. If you are buying through the health insurance marketplace, you can only purchase health insurance during open enrollment or if you have a qualifying life event.
What is a Qualifying Life Event?
There are a few different events that are considered qualifying life events that often allow you to change your policy or enroll in a policy outside of normal open enrollment periods. Some of these life events include getting married, moving to a new state or area where your old insurance doesn’t offer much protection, having a new baby or losing your job and/or current health insurance coverage.
Can An Insurance Agent Help Me Obtain Health Insurance?
An insurance agent can help you obtain health insurance if you are buying private insurance or if you qualify for insurance coverage through the health insurance marketplace. They cannot help you with employer healthcare coverage.
If you are in need of private health insurance or qualify to purchase health insurance from the health insurance marketplace, The Insurance Shop USA, serving the greater Sandpoint, ID area, can help. Call us today and let us help you get insured.
