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August 17, 2017

What documents to submit to confirm your Special Enrollment Period

If you applied for Marketplace coverage through a Special Enrollment Period, you may need to submit documents to confirm you qualify. After you pick a plan, you have 30 days to send the documents.

Image: {Send Special Enrollment Period documents}

Find your life event on the list below to see what kinds of documents you can submit:

What documents can I submit?

  • If you moved: Documents must include your name and the date you moved. Examples include: bills, mortgage or rental documents, or a letter from an insurance company. In most cases, you also need to prove you had qualifying coverage for at least one of the 60 days before you moved. See the full list.
  • If you lost other health coverage: Documents must include your name and the date of your coverage loss. Examples include: a letter from your insurance company or employer, a health care program document, or pay stubs. See the full list.
  • If you adopted a child or gained a dependent through a foster care placement or court order: Documents must include the name of the person who became a dependent and effective date. Examples include: an adoption letter or record, foster care papers, or a document for legal guardianship. See the full list.
  • If you got married: Documents must include the names of the married couple and the date of the marriage. Examples include: a marriage certificate, marriage license, or marriage affidavit. See the full list.
  • If you were denied Medicaid or CHIP: Documents must include your name and the date you were denied coverage. Examples include: a denial letter from your state agency, a letter from the Marketplace, or a screenshot of your eligibility results. See the full list.

Ready to submit?

August 10, 2017

Don't worry: Marketplace insurance covers pre-existing conditions

Did you know that no insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for a pre-existing condition?

Image: {What's a pre-existing condition}

What's a pre-existing condition?

  • A pre-existing condition is a health problem you had before the date that your new health coverage starts.
  • Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

Is my health coverage affected by my pre-existing condition?

  • No. Treatment for any pre-existing medical condition is covered from the day your coverage began.
  • Once you’re enrolled, your plan can’t deny you coverage or raise your rates based only on your health.
  • Marketplace plans can't put annual or lifetime limits on your coverage.

What if I'm pregnant?

  • If you were pregnant before you applied, your insurance plan can't reject you or charge you more because of your pregnancy.
  • Once you're enrolled, your pregnancy and childbirth are covered from the day your plan starts.

Learn more about pre-existing condition coverage.

August 3, 2017

5 facts about Special Enrollment Periods

For most people, the deadline to enroll in a 2017 health insurance plan has passed. But you may still be able to enroll in health coverage for the rest of 2017 if you qualify for a Special Enrollment Period.

Image: {5 facts about Special Enrollment Periods}

5 things to know about applying with a Special Enrollment Period

  1. You may be eligible to apply with a Special Enrollment Period if you experience certain life events, like moving, losing other health coverage, or having a baby. See the full list of life events here.
  2. You usually have up to 60 days following the event to enroll in a plan. If you miss that window, you have to wait until the next Open Enrollment Period, which starts on November 1, 2017, to apply for 2018 coverage.
  3. You can quickly see if you may qualify. Start by answering a few fast questions.
  4. Depending on your life event, you may be required to provide documents that prove your eligibility to enroll. You must send them before you can start using your coverage. Get more information on confirming your Special Enrollment Period eligibility.
  5. You can enroll in Medicaid and the Children’s Health Insurance Plan (CHIP) any time of year, whether you qualify for a Special Enrollment Period or not.

Learn more about getting coverage outside Open Enrollment.

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