Why did I have to purchase coverage by March 31, 2014?
Beginning 2014, there are specific time periods each year that anyone can enroll in an individual health plan. These are called Open Enrollment Periods (OEP). The first OEP was from October 1, 2013 to March 31, 2014. The next OEP will begin November 15, 2014 for coverage starting January 1, 2015.
Can I still buy health insurance for 2014?
Although open enrollment closed on March 31, 2014, there are still circumstances that would allow you to buy health insurance for 2014. Special enrollments periods are allowed for certain life events.
Qualifying life events include:*
- Involuntary loss of creditable coverage for any reason other than fraud, misrepresentation, or failure to pay premium (i.e. you lose your job)
- Individuals experiencing an individual plan renewal
- Individual gains a dependent or becomes a dependent through:
- Marriage / Civil Union
- Adoption or placement for adoption or placement in foster care
- Court Order
- Entering into a Designated Beneficiary agreement
- Loss of eligibility for Medicaid or CHP+ (i.e. your monthly pay increases)
- Enrollment or disenrollment is unintentional, inadvertent, or erroneous and is the result of an error. The error must have been made by the Carrier, Producer, or Connect for Health Colorado (i.e. Connect for Health Colorado failed to complete your enrollment)
- Demonstrating to the Colorado Insurance Commissioner that the health plan violated part of its contract
- Gaining access to coverage as a result of a permanent change in residence (i.e. you move to Colorado from another state)
- Gain of citizenship or immigration status
- American Indians / Native Americans may enroll in a new plan or change from one qualified health plan to another once a month
- For members enrolled in Connect for Health Colorado, becoming eligible or ineligible for tax credits or cost share (i.e. your salary increases)
*Qualifying events and documentation may vary by carrier
What do I do if I qualify?
TimeLine to Apply: This can vary by carrier, please contact your individual carrier to understand their timeline policies.
Rocky Mountain Health Plans’ timeline is to apply is within 60 days of the event or 30 days in advance with the exception of a plan renewal. A plan renewal has a 30 day Special Enrollment Period prior to the individual plan renewal date.
How to Apply: If you have a favorite carrier you can apply for health insurance directly through their website. Otherwise, you can shop for a plan through the marketplace at connectforhealthco.com.
Required Documentation: The insurance carrier may request documentation for your qualifying event. A few examples may include:
- Adoption Placement Paperwork
- Court Order Paperwork
- Designated Beneficiary Form
For additional information on health care reform or applying for health insurance, visit Rocky Mountain Health Plans website or call 800-453-2981, option 4.