Pre-existing Conditions or Need Maternity Coverage
No coverage thru work & don't own a business & need maternity or unhealthy ? Your only option:
Open enrollment starts November 1st each year for individual plans & everyone under 65 can enroll during that period.
Outside of open enrollment If you have moved, had a child or gotten married you may be eligible for a special enrollment exception.
HERE IS THE LINK TO SEE IF:
1) YOU'RE ELIGIBLE FOR A SUBSIDY
2) TO SHOP PLANS TO COVER PRE-EXISTING CONDITIONS
COVERAGE AVAILABLE THROUGH YOUR JOB ?
Coverage through your employer is usually partially paid by your employer and is in most cases pre-tax.
It may be less expensive for you to enroll your spouse or children in a separate plan. Click shop coverage under option 1 to confirm.
OWN YOUR OWN BUSINESS ?
If you own your own business and have at least two (non-immediate family member) employees, it may make sense for you to establish a small group plan.
YOUR PREMIUMS IN A GROUP PLAN ARE TAX DEDUCTIBLE EXPENSES TO YOUR BUSINESS.
Let us know if this is something you would be interested in exploring.
Don't let these things confuse you. We'll do the best we can to help you.
Please don't shoot the messenger :)