You should consider getting a Non-Government Plan if you meet both of the following conditions:
Or certain life changes that would have allowed you to get a Government Plans after Open Enrollment.
Non-Government Plans -- which are sometimes referred to as "Private Plans" or "Short Term Plans" -- are a temporary solution meant to provide you with coverage until you are eligible for a Government Plan. They are often purchased for a predefined term -- anywhere from 30 days to 12 months and everything in between.
It is important to not have any lapses in medical coverage. An un foreseen medical issue or emergency can be extremely expensive if you are uninsured, sometimes in the range of tens to hundreds of thousands of dollars.
The changes in the health care law requires that no insurance company can deny you coverage for preexisting conditions. Since Non-Government Plans are not directly supported by the government, you may still face a fine and subsidies, or government “discounts,” are not available. For the same reason, you can also be denied coverage. Fortunately, because Non-Government Plans are for a temporary term, they tend to be inexpensive. If you are denied coverage by one insurer, GovernmentHealthInsurance.com can help you find another.
Your eligibility for Government Plans and Subsidies can be determined during the enrollment process. Please enter your zip code and fill in the 1-page application to begin. You can also call (844) 992-2717 to speak to an agent.