I Missed My State’s Open Enrollment Deadline. Can I Still Get Healthcare Coverage?

Don’t worry! If you missed the enrollment deadline in your state, you have two options:
1. You may qualify for a Special Enrollment Period (SEP) that will allow you to apply for health insurance if you have experienced a qualifying life event. Qualifying life events can include:

  • A change in your home address.
  • The loss of health insurance through a job.
  • Household changes such as marriage, divorce, a death in the family, or having a baby
You have 60 days to enroll in a plan, if you qualify for an SEP. But, if you miss that 60-day window, you will have to wait until OEP to enroll in an individual health insurance policy for 2022.


2. You may apply for a short-term health insurance plan. Short-term health insurance coverage can be purchased for up to 364 days, and you can reapply for short-term coverage for up to 36 months in most states. Short-term health insurance plans might be a good, temporary fit for healthy people, as they will not cover pre-existing conditions like Affordable Care Act (ACA) plans.

If you do not qualify for an SEP and decide not to apply for a short-term health plan, you will have to wait until Open Enrollment 2022 begins in fall 2021.

Confused? Call us and we will help! 855.853.6216, or click here for more information. 
UnitedHealthOne is a brand name used for products underwritten and/or administered by the following Insurance Companies: American Medical Security Life, Golden Rule, PacifiCare Life and Health, UnitedHealthcare. In Arizona, the underwriter is Golden Rule. Plans are medically underwritten. Health savings accounts (HSAs) are individual accounts offered by Optum Bank®, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change. The National Restaurant Association has chosen UnitedHealthcare as its official health insurance carrier. Insurance plans, plan features, network availability, and pricing vary by state.