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Health Insurance During COVID-19

We all know how health insurance works; an insurer pays the medical expenses of the insured if they become sick due to illness or injury. But what happens if you lose your job, so you lose your health coverage? This question has never been more relevant than during the coronavirus pandemic, as millions of people have needed to apply for unemployment. But if you’ve lost access to health insurance through your workplace, we can help.

Health Insurance Enrollment

Not only is it dangerous not to have medical insurance, but Americans are legally required to maintain coverage. Parents who aren’t insured, or don’t have their children on a plan, may have to pay a fine each year. Going without also means that if someone needs healthcare, they’d have to pay all of the bills for any care they received. That can cost a whole lot more than paying a monthly premium.

Each year, there are dates when individuals and families can buy or change their health plans through the Health Insurance Marketplace. These times are called Open Enrollment or Special Enrollment periods. These are the only approved times to buy medical insurance or change your current plan.

Qualifying Life Events

Fortunately, you can apply for a Special Enrollment Period due to a Qualifying Life Event. This could be an event like losing your job, getting married or divorced, having a baby, or moving to a new state, among other scenarios. When such an event occurs, it triggers a Special Enrollment Period because the individual’s insurance needs have changed. 

If a qualifying life event hasn’t occurred, but you’re still interested in getting insurance, there is an alternative. Short-term health insurance has some key differences from major medical health insurance, but it still offers some great benefits until you can get other coverage. For example, if you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), you can apply at any time.

Farmers Insurance

We’re committed to helping you through this current global crisis. At Farmers Insurance, we’re doing our part by reducing premiums, postponing cancellations, and helping to bridge our customer’s health insurance needs.

Let us guide you through the best option for you. We’re consumer advocates and your personal insurance concierge team. Give us a call at (925) 447-1744. We’re happy to answer any questions you might have.