Short-Term Insurance Solutions
If it’s outside of Open Enrollment and you don’t qualify for a special enrollment period, you could still get a transitional (short-term) policy, which provides scaled-back benefits to tide you over.
Transitional policies do not count as “qualified coverage” under the ACA, and will not protect you from the individual tax penalty; they do not cover maternity, prescriptions, or pre-existing conditions (any condition how have been treated for, or should have been treated for, in the past 12 months), but they can be a valuable protection in case of unforeseen injury, accident or illness.
Encore Benefits also provides individual life insurance policies. If you have not purchased a life insurance policy for yourself or your spouse, or if your life circumstances have changed significantly since purchasing a policy, contact us to see how this coverage can best serve the needs of yourself and your loved ones.