Article Summary
Losing Medicaid or Children’s Health Insurance Program (CHIP) coverage can be stressful, but there are actionable steps to ensure continuous health insurance. From March 31, 2023, to November 30, 2024, individuals can apply for a Marketplace plan anytime after losing Medicaid or CHIP, with a 60-day enrollment window. This article highlights four practical ways to stay covered, emphasizing the importance of avoiding gaps in healthcare access.
What This Means for You
- Act early: Apply for a Marketplace plan up to 60 days before your Medicaid or CHIP ends to prevent a coverage gap.
- Take advantage of the extended enrollment period: From March 31, 2023, to November 30, 2024, you can apply for a Marketplace plan anytime after losing coverage.
- Understand the timeline: Coverage begins the month after you complete your enrollment, so plan accordingly.
- Stay informed: Monitor policy changes or extensions to enrollment periods to avoid missing deadlines.
Lose Medicaid or CHIP? Stay covered 4 ways
Published on May 30, 2024
You have health insurance options if you lose Medicaid or Children’s Health Insurance Program (CHIP) coverage.
4 ways to stay covered
- You can apply and enroll in a Marketplace plan as early as 60 days before your Medicaid or CHIP coverage ends to avoid a gap in coverage.
- From March 31, 2023 – November 30, 2024, you can apply for a Marketplace plan any time after your Medicaid or CHIP coverage ends. You have 60 days after submitting your application to enroll in a plan. Your coverage starts the month after you complete your enrollment.
People Also Ask About
- What happens if I miss the 60-day enrollment window? You may have to wait for the next Open Enrollment Period or qualify for a Special Enrollment Period.
- Can I get financial assistance with a Marketplace plan? Yes, you may qualify for subsidies based on your income.
- How do I know if I’m eligible for Medicaid or CHIP? Eligibility is based on income, household size, and state-specific criteria.
- What documents do I need to apply for a Marketplace plan? You’ll need proof of income, Social Security numbers, and immigration documents if applicable.
Expert Opinion
Navigating health insurance transitions can be complex, but understanding your options is critical. The extended enrollment period from March 2023 to November 2024 provides a unique opportunity for individuals to secure coverage without gaps. Experts recommend staying proactive and leveraging available resources to ensure continuous access to healthcare.
Key Terms
- Medicaid coverage transition
- CHIP to Marketplace plan
- Health insurance enrollment period
- Marketplace plan subsidies
- Special Enrollment Period
- Healthcare coverage gap prevention
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