Health insurance is an important thing in our life. However, you can suddenly lose it without prior notice due to several conditions, such as job loss and divorce. This article will give some tips about what to do when you lose your health insurance based on the cause of the loss.
Tips When You Lose Your Health Insurance
Some things you can do when you lose your health insurance are listed below:
- Due to cancellation: despite being rare, there are times when insurance providers decide to cancel their service. The provider are obliged to sign their customers up for other plans offered within the state. The customers are advised to check for recent policies at the marketplace from any provider during that time. It is a very uncommon condition, but may happen due to the uncertainties in the regulations of health insurance.
- Due to divorce: joint insurance is mandated legally to be dismissed after divorcing. If you encounter this situation, it is advised to enroll to a new insurance via marketplace or transfer it to your employers plan after a thorough discussion. You are allowed to use marketplace beside the common enrollment period, so make sure to use this chance to check around.
- Due to losing job: this is the most common reason why people lose their coverage. Most people need health insurance in short term during this situation to connect the gap before finding other job that offers their benefits. There are some insurance providers that offer short term coverage mostly around 18 months. However, you need to pay the premium by yourself.
Other than those mentioned above, there are still a lot of things that you can do. Basically, you need to solve it based on the cause of your lost. You can find an insurance provider that you trust and discuss about the solution with them.