The Special Enrollment Period, Qualifying Life Events, and changes to income are VERY date sensitive. It can also be a little confusing in terms of what dates to use. If you don’t enter the correct dates, such as when income stopped or started, the application process can go sideways and you might be determined eligible for Medi-Cal. When in doubt, call your agent or the Covered California customer service line to determine the correct dates for your qualifying life event.
Posts related to Qualifying Life Events (QLE) for a Special Enrollment Period (SEP) for health insurance through Covered California, off-exchange, small groups, Medi-Cal, Medicare.
Medi-Cal Backdoor To Covered California
Because Peter did not have health insurance in the last 60 days, he technically doesn’t qualify to enroll in a health plan in California. But when Peter moves out to California, his job has not started and he has no monthly income, he is just living off of his savings until the job starts in early summer. Because Peter has no monthly income, he qualifies for MAGI Medi-Cal.
Using Medi-Cal During A Union Strike To Keep Health Insurance
When a union goes on strike it can be difficult for union members and those trade members associated with the union to keep paying their health insurance premiums with either reduced or no income. There are options to maintaining health insurance if you know the rules of the health insurance game. These rules revolve around Special Enrollment Periods with the qualifying event of loss of coverage.
Reporting income changes with special enrollment under Covered California
Consumers who have purchased their health insurance through Covered California are always being admonished to report any changes to their income to keep their tax credits in sync with their estimated Modified Adjusted gross Income. The latest spring 2015 iteration of reporting a change to a consumer’s income under the Special Enrollment Period section can […]
Covered California income change triggers new health plan selection
Covered California and the IRS have been encouraging individuals and families that have purchased health insurance through the state or federal exchange to update their household income whenever there is a change. The simple act of reporting this change of income through Covered California is considered a qualifying event for a Special Enrollment Period. Once […]
Qualifying Events allow for purchase of health plan outside of open enrollment
Under the Affordable Care Act, individual and family plans (IFPs) will have coverage benefits very much like an employer sponsored small group plan. Another way in which the new IFP plans will mirror a group plan are enrollment restrictions. Individuals and families will only be able to enroll into the new IFP plans outside of open enrollment if there is a “qualifying event”.