Unless your job provides you with health insurance, you either purchase your policy during the open enrollment period or when a qualifying event occurs. Infinity Insurance Group wants you to fully understand your insurance options, so you can obtain the coverage you need.

When Can I Buy Health Insurance?

When You Start a New Job

When a new employer hires you, it provides health insurance through a group plan. You’ll typically have the same insurance plan as every employee at your place of business. The number of people covered by your policy varies. If you’re single, it only covers you. If you’re married or have children, you can typically add your spouse and/or your children to your health insurance policy. When you start your job, your employer provides the insurance paperwork that you must complete and submit by the due date. Signing up for your policy comprises one element of your onboarding process.

Open Enrollment

While the exact dates for open enrollment vary from week to week, typically, the US holds this during November, December, and the first two weeks of January. For the coverage year 2023, open enrollment begins on November 1, 2022, and ends on January 15, 2023. If your Post Falls, ID employer doesn’t offer health insurance because you’re a part-time employee or the business employs too few people to require it, you can sign up for insurance during open enrollment.

Qualifying Events

Perhaps your employer fired you or you got laid off. That ended your employer-provided health insurance. However, you don’t have to wait until November to purchase insurance because losing your existing health coverage qualifies as an event that lets you register for a plan at the time of the event. Even if you lose your job during the month of June, you get to purchase your health insurance policy in June. Other events that qualify you for a Special Enrollment Period that only applies to you, include marriage, pregnancy, delivering a baby, and adoption.

Medicaid and CHIP

The government-provided health insurance programs of Medicaid and Children’s Health Insurance Program (CHIP) offer running open enrollment. That means you can apply for either program for which you qualify at any time of the year.

Contact Infinity Insurance Group Today

Let Infinity Insurance Group help you obtain the health insurance you need. Call us, email us, or visit us at our offices. We offer health insurance that can help Post Falls, ID residents stay healthier.