Health Insurance Enrollment Assistance

Getting sick or hurt never happens at a good time. When you need medical care, insurance can help pay for some or all of the bill. We assist individuals and families with online applications for health insurance on the Federally-facilitated Marketplace (aka the Affordable Care Act or Obamacare), Medicaid, or any other insurance for which they are eligible during the open and special enrollment periods.

Open enrollment ended January 15, 2023, but you may qualify for special enrollment. See below for details then call (334) 293-6502 for free enrollment assistance.

To make the process as smooth as possible, we’ll need information on each person applying for coverage. Required information may include:

  • Social Security numbers
  • Immigration documentation
  • Most recent income tax information
  • Information about your employer
  • Check stubs, wages, tips
  • Net income if self-employed
  • Social Security payments
  • Alimony, retirement, or pension income
  • Investment income (like dividends or interest)
  • Rental income
  • Other taxable income
  • Current healthcare information
  • Similar information as above regarding other individuals in your household

Special Enrollment

After Open Enrollment ends, dependable healthcare coverage is still in reach at affordable rates through the healthcare.gov special enrollment period. However, you must qualify with special life events.

Depending on your circumstances, you may have 60 days before or 60 days following a life event to enroll in a plan. You may be asked to provide documents to confirm the life event that makes you eligible. You must provide such documents before you can start using your coverage.

Qualifying Life Changes

Life changes that can qualify you for special enrollment, include:

  • If you qualified for special enrollment but missed your deadline to enroll in coverage because you were impacted by the COVID-19 emergency, you may be eligible.
  • If you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago but since January 1, 2020) OR expects to
    lose coverage in the next 60 days, you may qualify.

Qualifying Household Changes

You may qualify for special enrollment if you or anyone in your household in the past 60 days:

  • Got married. Pick a plan by the last day of the month and your coverage can start the first day of the next month.
  • Had a baby, adopted a child, or placed a child for foster care. Your coverage can start the day of the event — even if you enroll in the plan up to 60 days afterward.
  • Got divorced or legally separated and lost health insurance. Note: Divorce or legal separation without losing coverage doesn’t qualify you for special enrollment.
  • Died. You’ll be eligible for special enrollment if someone on your Marketplace plan dies and as a result you’re no longer eligible for your current health plan.

Qualifying Changes In Residence

Household moves that qualify you for special enrollment include:

  • Moving to a new home in a new ZIP code or county
  • Moving to the U.S. from a foreign country or United States territory
  • If you’re a student, moving to or from the place you attend school
  • If you’re a seasonal worker, moving to or from the place you both live and work
  • Moving to or from a shelter or other transitional housing
  • Note: Moving only for medical treatment or staying somewhere for vacation doesn’t qualify you for special enrollment.
  • Important: You must prove you had qualifying health coverage for one or more days during the 60 days before your move.

Loss of Health Insurance

You may qualify for special enrollment if you or anyone in your household lost qualifying health coverage in the past 60 days (or more than 60 days ago
but since January 1, 2020) OR expects to lose coverage in the next 60 days.

Important: If you lost coverage more than 60 days ago, but since January 1, 2020, and didn’t enroll sooner because you were impacted by the COVID-19
emergency declared by FEMA, you may still qualify for special enrollment.

Job-based plans may have different Open Enrollment Periods. Check with your employer. You can apply and enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time of year.

Call us at (334) 293-6502 for more information.