A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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guaranteed issue

What is guaranteed issue?

healthinsurance.org health insurance glossary

What is guaranteed issue?

Guaranteed issue refers to health insurance coverage that is guaranteed to be issued to applicants regardless of their health status, age, or income.

Prior to 2014, individual market health insurance (the kind you buy on your own, rather than obtaining from an employer) was typically not guaranteed issue. Instead, insurers in most states based eligibility on an applicant’s medical history. But that changed when the bulk of the Affordable Care Act’s provisions were implemented in 2014.

All individual-market major medical plans in all states are now guaranteed issue, and applicants’ medical history is no longer a factor in their eligibility. The trade-off is that enrollment is now limited to one annual open enrollment period, and special enrollment periods triggered by qualifying events (prior to 2014, people could apply for individual market coverage at any time, but eligibility in most states was contingent on medical history).

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