If you’re looking for health insurance near Lombard, Illinois, we’ve got a guide with all the information you need to know before buying a plan.
We’ll answer all your questions like where to buy coverage, when you can buy it, and explain the different types.
When can I buy health insurance in Lombard, Illinois
This is kind of a trick question.
For most people, the nationwide open enrollment period is when you can change or buy new coverage. This period lasts from November 1 to December 15. There are six states with an extended window, but Illinois is not one of them.
However, there are “qualifying life events” that trigger a special enrollment period that could allow you make changes to your healthcare coverage. Some common qualifying life events are:
- A permanent move
- Return from military active duty
- Divorce, death, or separation that results in a loss of coverage
- Other involuntary loss of health insurance
- Growth of family such as marriage, birth, adoption, or foster care
Other than an instance similar to this where you have lost your “minimum essential coverage” or have a special event that would cause a need of increasing coverage, you can only get ACA-compliant coverage during open enrollment. However, there are some who are an exception to this rule. Native Americans, those eligible for Medicaid, and those eligible for CHIP (Children’s Health Insurance Program) can enroll year-round.
Where can I get coverage?
You can purchase health insurance in Lombard, Illinois through Get Covered Illinois (the state run exchange), healthcare.gov (the federal government’s exchange), or through a licensed health insurance agent.
Because federal funding for community enrollment assistance programs has been eliminated, the most pain-free and easiest way to get health insurance is likely through an insurance agent.
They’re certified, educated, and therefore well-suited to explain your options, help you find discounts, and make recommendations for your coverage. And it does not cost a thing to receive their help or increase your premiums at all.
What is short-term health insurance?
There’s been some confusion about short-term health plans because of a law that was approved in 2018 by Illinois lawmakers. So, to clear up any confusion, we’ll explain what it is and what the new rules are.
Short-term health plans are low-cost, low-coverage plans. These plans are simply meant to be used to fill gaps in coverage.
Because of the state law passed in 2018, they only provide coverage for six months.