Countdown to the 2019 Open Enrollment Deadline
Open Enrollment: Yep, that riveting time of the year when you get to pick your health plan for 2019. Well, guess what? It’s still happening! And we’re here to help clarify a few final things.
Now, if you’re reading this, that means you missed the deadline for January coverage.
On the one hand, this means you’ll save a month’s premium. On the other hand, this means you should probably take it wayyy easy this next month. Getting injured without health insurance could cost you a small fortune.
At any rate, you now have until January 15th (for on-exchange plans) or January 31st (for off-exchange plans) to get health coverage for 2019.
And here’s what you need to know about that final 2019 deadlines:
- January 15th is the end-all-be-all for on-exchange health coverage in 2019. If you don’t enroll on Connect for Health Colorado by this date, you’ll have no health coverage for the whole year (unless you qualify for a Special Enrollment Period. See below).
- January 31st is the final deadline for off-exchange health coverage in 2019. So, if you’re buying directly from a health insurance carrier, like Friday Health Plans, you have until the end of the month to do so.
- Your plan will start on February 1st.
- You can still qualify for financial aid (a subsidy) on your health plan. But you must buy a plan on the exchange—through Connect for Health, if you’re from Colorado—in order to qualify for a subsidy.
BUT, there’s also Special Enrollment Period (SEP)
A time outside the yearly Open Enrollment when you can buy health insurance.
Here’s the basic gist of SEP: You can qualify for SEP if you’ve experienced what’s known as a “life-changing” event.
Examples of life-changing events: turning 26 and aging off your parent’s plan, getting married, adopting a child, losing health coverage, and having a baby.
Check out this page for a list of all life-changing events to see if you qualify.
As always, if you have any questions whatsoever, please call our friendly customer service team: 844-451-4444. We know health insurance can be super confusing, and we’re here to help simplify things.
The Friday Team