Do I be eligible for a a January 1, 2022 start even though the 1/1 deadline has transpired?

Missed the open enrollment deadline? A few people will have unique circumstances that allow them to enroll in an insurance plan that begins January 1, 2022, despite the fact that the Jan. 1 enrollment cutoff has passed. Do you fall under these special circumstances? Find out more to find out.

**This post is updated daily to mirror deadline changes as they are announced for 2022. Last update Dec. 16, 2022**

If you are stressed about missing the December 15th open enrollment deadline for Jan. 1 coverage and are dreaming about coverage starting on January 1st, you may be in luck. While open enrollment reaches Jan. 15th in most places, remember that for plans starting on Jan. 1, the overwhelming majority of cases possess a deadline of Dec. 15th.

There are a couple of primary reasons why someone would qualify to buy an individual plan that begins on January 1, 2022 despite missing the Open Enrollment deadline. The very first circumstance could be people who are new hires within the month of December. The second reason is if you reside in one of the states that have given their citizens a little more time to select a plan.

December 15th is the cutoff for Jan. 1 coverage unless there’s a state specific extension or you qualify for a Special Enrollment Period.

If you’re a brand new employee…

If you simply started a new job and are looking to sign up for medical health insurance that begins January 1st, you’re fortunate. Starting a new job qualifies as a Special Enrollment Period, which means you’ll have Two months to enroll in a new plan. If you began your job in November or December, you are able to sign up any time before December 31st for plans starting in the to begin the year, whether or not the December 15th deadline has transpired.

Special note: For brand new employees seeking to shop for a health plan within their Special Enrollment Period, you’ll will need to go to Healthcare.gov or your state exchange instead of shopping on our platform.

Here’s how to proceed.

• If you live in California, shop for a plan onCoveredCalifornia
• If you reside in Colorado, shop for a plan on Connect for Health Colorado
• If you live in Connecticut, look for a plan on Access Health CT
• If you reside in Idaho, shop for a plan onYour Health Idaho
• If you reside in Kentucky, shop for an agenda on Kentucky Health Benefit Exchange
• If you reside in Maine, shop for a plan on Maine Health
• If you reside in Massachusetts, shop for a plan on Massachusetts Health Connector
• If you reside in Maryland, shop for a plan on Maryland Health Connection
• If you reside in Minnesota, look for a plan on MNsure
• If you live in Nevada, shop for a plan on Nevada Health Link
• If you live in New Jersey, look for a plan on Get Covered New Jersey
• If you live in New Mexico, shop for a plan on BeWellnm
• If you reside in New York, look for a plan on New York State of Health
• If you live in Pennsylvania, look for an agenda on Pennie
• If you reside in Rhode Island, shop for a plan on Health Source RI
• If you live in Vermont, look for a plan on Vermont Health Connect
• If you reside in Washington, look for an agenda on Washington Health Plan Finder
• If you live in Washington DC, shop for an agenda on DC Health Link

For all other states, look for an agenda on Health Sherpa.

If you reside in a condition with extended open enrollment…

For states that have their own state-based exchange, they are able to set their own cutoff dates, meaning they don’t have to comply by the December 15th cutoff when they don’t want to. Which means if you live in one of those states, you have additional time to consider your wellbeing insurance options for 2022 than the remaining country.

The states that have extended open enrollment dates for Jan. 1, 2022 coverage include:

• California
• Connecticut
• Idaho
• Kentucky
• Massachusetts
• Nevada
• New Jersey
• Pennsylvania
• Rhode Island
• Washington DC

Below is a chart that shows the state-specific cutoffs for Jan. 1, 2022 coverage.

Special note: For brand new employees seeking to look for a health plan within their Special Enrollment Period, you’ll will need to go to your state exchange instead of shopping on our platform.

What happens if I missed the deadline for open enrollment and neither of the aforementioned scenarios affect me?

Don’t panic. You might have options, based on what type of HRA you're being offered through your company.

If your employer offers you a QSEHRA, our team will help you consider alternative plans (like sharing ministries, for example) to couple by having an individual / preventative MEC plan. These costs will be reimbursable through your QSEHRA. More on those options here.

If you are on offer an ICHRA and missed the December 15th deadline, check to see should you qualify for a unique enrollment period, which gives a 60-day window to alter or sign up for coverage. Here’s a complete list.

You be eligible for a an SEP should you:

• Got married.
• Had an infant, adopted a young child, or placed a young child for foster care. Your coverage can begin the day from the event – even though you sign up for the program as much as Two months afterward.
• Changed residence (must proceed to another zipcode)
• Started a brand new job
• Got divorced or legally separated and lost medical health insurance. Note: Divorce or separation without losing coverage doesn't qualify you for a Special Enrollment Period.
• Had a loss. You'll be eligible for a unique Enrollment Period if a person in your Marketplace plan dies and you are no more eligible for your present health plan as a result of their death.
• Lost eligibility for Medicaid or even the Children's Medical health insurance Program (CHIP)
• Gained membership inside a federally recognized tribe or status being an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
• Becoming newly entitled to Marketplace coverage since you was a U.S. citizen
• Left incarceration
• AmeriCorps VISTA members starting or ending their service

Important note: Should you don’t qualify for a special enrollment period because of among the above circumstances, the best choice is to just choose an alternative plan of insurance (sharing ministry, short-term plans). Unfortunately, these alternatives won’t be reimbursable under your company’s ICHRA. You’ll have to hold back until next year’s open enrollment to select a compliant health intend to receive reimbursements.

Need help? We’re for you.

If you've questions, just talk to us at the end right of your screen. You can also send us an email at support@takecommandhealth.com. We’d be happy to assist you to.

Happy open enrollment and happy holidays!

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