Can I get a health insurance plan in Arizona now that open enrollment is over?

Yes, you can still get health insurance in Arizona even though the open enrollment period has ended. While open enrollment is the primary period during which individuals can enroll in health insurance plans for the upcoming year without needing a qualifying life event, there are still options available outside of this window.

Here are some avenues to explore for obtaining health insurance coverage outside of the open enrollment period:

Special Enrollment Period (SEP): Certain life events may qualify you for a Special Enrollment Period, allowing you to enroll in a health insurance plan outside of the regular open enrollment period. Qualifying life events include marriage, birth or adoption of a child, loss of other health coverage, and other significant life changes. If you’ve experienced one of these events, you may be eligible for a SEP, which typically lasts for 60 days from the date of the qualifying event.

Medicaid and CHIP: If you meet the eligibility criteria, you may qualify for Medicaid (called AHCCCS in Arizona) or the Children’s Health Insurance Program (CHIP) at any time during the year. These programs provide low-cost or free health coverage to eligible individuals and families with limited incomes.

Short-Term Health Insurance: Short-term health insurance plans are designed to provide temporary coverage for individuals in between longer-term health insurance plans. These plans are typically available year-round and can provide coverage for as short as one month and as long as three years.

Specialized Health Insurance Plans: Depending on your specific needs, there may be specialized health insurance plans available outside of the open enrollment period. These could include dental insurance, vision insurance, or specific disease management programs.

Employer-Sponsored Coverage: If your employer offers group health insurance benefits, you may be able to enroll in coverage through your employer’s plan during their open enrollment period or when you initially become eligible for benefits.

Lehrman Group can help you navigate the process of finding health insurance coverage outside of open enrollment. We can provide personalized assistance and help you explore your options based on your individual needs and circumstances.

For more information about obtaining health insurance coverage here in Arizona outside of open enrollment, feel free to reach out to us at (800) 600-9663 from Phoenix, Tucson, or anywhere in Arizona. We can provide expert advice and help you find the right health insurance solution for your situation.