Getting married? Having a baby? Moving? Have health insurance?
Life events may qualify you for different Marketplace health insurance coverage or savings.
Summer is a popular season for weddings, having a baby, and moving to a new home. If you missed the deadline to sign up for health insurance, you might still be able to get covered! Certain life events could allow you to sign up for health insurance or switch to a plan that better fits your new situation. Here are just a few life events that could qualify.
Getting married: Chances are you or someone you know are getting married this year. You have 60 days from the day you get married to sign up and pick a plan. You can change your existing plan, sign up for a new plan, join your spouse’s plan or add them to yours, or add any dependents to your plan.
Having a baby: Congratulations! You have 60 days from the birth of your baby to sign up for health insurance. If you already have health insurance, you can sign up for a different plan that better fits your new situation. All plans must cover certain benefits, like immunizations for your baby and breast-feeding support. You can get a plan for your whole family.
Turning 26 and losing your parents’ coverage: If you were born in 1988, you’re turning 26 this year. For those of you who’ve been lucky enough to stay on your mom or dad’s health insurance, this is the year to strike out on your own!
Moving: Up to 50 percent of homes are sold during the summer. You might qualify to sign up for a new plan, especially if you are moving to another state. You have 60 days after the move to sign up. All plans must cover the care you need, like doctor visits, prescriptions, and hospital stays.
In most cases, you have 60 days after the life event to sign up and financial help is available.
For more information or assistance, visit HealthCare.gov, or call the Health Insurance Marketplace call center at 1-800‑318-2596. TTY users should call 1-855-889-4325. You can find local application assisters at localhelp.healthcare.gov or Enroll Michigan or some private insurance companies with plans in the Marketplace.
For more answers to your questions about health insurance, go to healthcare.gov Q&A or the Health Insurance FAQs - eXtension. Also see previous news articles about health insurance choices at the Michigan State University Extension website.
Michigan State University Extension is providing education about health insurance basics this year, including the why, what and how for making a smart decision. Find out about Smart Choice: Health Insurance workshops and factual information at http://aca.msue.msu.edu.