You may have employees with special circumstances that would permit them to sign up for health insurance outside of the annual enrollment period. This is called a special enrollment period. Here are some situations which may qualify employees for special enrollment (the circumstances below are considered to be in the last 60 days unless otherwise indicated):
- Anyone in the household lost qualifying health insurance coverage
- Got married or divorced
- Had a baby or adopted a child
- Gained or became a dependent
- Got legally separated (not recognized in Florida and other states)
- Changed your primary residence
- Had a change in income
- You were denied Medicaid or CHIP
- Gained citizenship or legal presence in the USA
- Was released from jail, detention, or prison
You normally have 60 days from the event to file for special enrollment for health insurance coverage. If you fail to do so, you will have to wait until the next normal enrollment period in the fall of the year. One exception to this is filing for Medicaid or the Children’s Health Insurance Plan (CHIP) which can occur anytime during the year.
The open enrollment period for 2020 health insurance coverage starts on Friday, November 1 and runs to Sunday, December 15, 2019. If you miss this deadline you will have to qualify for a special enrollment during 2020 to get coverage.
If this seems confusing, or you wish for the information to be presented to your employees in a clear yet concise manner, First Day Films can help. We create informative and professional videos on HR and benefits programs such as open enrollment, medical and insurance coverage, and much more. If you need to inform your employees of insurance benefit options, contact First Day Films today for a quote at 833-422-7332.