Have you secured your health insurance plan for 2022 yet? The deadline for Obamacare open enrollment 2022 has already passed. If you weren’t able to make the deadline, there are still options to make sure you and your family are covered.
Read on below to find out how to get health insurance coverage in the year 2022.
Did You Miss Obamacare Open Enrollment 2022?
The deadline for Obamacare health insurance was November 15th, 2021. In order to receive coverage for the following year, you must apply in November of the preceding year.
Obamacare is a great option for low-income individuals or people who are not offered health insurance through their employer. Obamacare comes with plenty of coverage options and once you fill out your information on the Obamacare government website you will see if you are eligible for premium credits.
This means that your insurance could be only a few pennies or dollars per month, and may even be free for some individuals plus it will help lower medical costs. It’s worth finding out if you can save by enrolling in Obamacare.
Special Enrollment: You Might Apply
If you missed the deadline for enrollment, you may still be able to enroll in the Special Enrollment Period. This means that special circumstances may apply to you that will allow you to apply even after the deadline.
Some of the situations that mean you can apply in Special Enrollment include:
- If you got married
- Gained a dependent
- Got divorced
- Someone on your health plan passed away
- Moved
- Became a US citizen
- Left incarceration
See If You Qualify for Medicaid or CHIP
With Medicaid and CHIP, you can apply at any time of the year. Certain elderly people and pregnant women can be eligible for Medicaid, you just need to be under a certain income threshold.
If you are denied Medicaid, you have 60 days to enroll in another insurance program.
Dental and Vision Insurance Through Obamacare
You can sign up for both dental and vision insurance through Obamacare, although it’s not required. Dental insurance is good for young children or people who know they’ll need to have dental work done. The same goes for vision care. There are many options available through Obamacare.
If you missed the enrollment period, you may want to seek out private insurance for dental and vision if necessary.
Sign Up for Short-Term Health Insurance
Another option to cover your health insurance needs if you missed Obamacare open enrollment, is to sign up for short-term health insurance. It’s good to note though that these plans are not ACA compliant so you may suffer penalties on your tax return.
You can apply for short-term insurance at any point in the year and most plans are quite affordable.
We Can Help You Find the Right Health Insurance Option
If you missed Obamacare open enrollment 2022, we are available to help you make the best health insurance decision for you, your family, and your specific needs.
We can access thousands of insurance plan combinations to find you and your family the best health coverage. Contact us today to find out how we can help.