If you don’t have health insurance through your place of employment, you will have to purchase it on your own. This isn’t as difficult as it sounds, especially with every state offering its own health insurance options. If you prefer, you can also talk to the agents at Insurance Over Texas. Insurance Over Texas serves residents who live in or near the Houston, TX area. While open enrollment only remains in effect from November 1st to December 15 each year, there are specific events that will allow you to alter your policy.
Open Enrollment Deadlines for Health Insurance
No matter where you get your health insurance, it must be purchased during the Open Enrollment period for your state. For the 2019-2020 year, Open Enrollment started on November 1, 2019, and ended on December 15, 2020. Insurance that has been purchased during that time went into effect on January 1, 2020. While the deadline for Open Enrollment has already passed, you can still purchase health insurance if you have a "special circumstance".
What Type of Event Will Allow You to Change Your Coverage?
Life-changing events that allow you to sign up or change your insurance coverage include divorce, marriage, the birth of a child, or the death of a spouse. Another possible circumstance would be the termination of your employment. If any of these events occur, you can apply to have your policy adjusted to account for your new situation.
In Houston, TX, the agents at Insurance Over Texas can help you find the right health insurance policy for you. They can also assist you if you need to alter or change your policy after a life-changing event. Call and speak to an agent as soon as you can!