What to Do If You Missed Open Enrollment: Your Options Explained

Uh-oh! Did you miss the Open Enrollment Period for Covered California? Don’t worry—you’re not alone, and you’re not out of options. Whether life got busy, or you simply forgot to mark your calendar, there are still ways to get the health coverage you need. Let’s walk you through what to do next.

Special Enrollment Period (SEP): Your Safety Net

If you missed the Open Enrollment Period, all hope is not lost. You might qualify for a Special Enrollment Period (SEP). This allows you to enroll in a health plan outside of the standard enrollment window if you’ve experienced certain life events.

Here are some common situations that might qualify you for SEP:

• Getting Married: Tying the knot is a big deal, and it qualifies you for SEP. Congrats, by the way!

• Having a Baby: New parents, you can add your bundle of joy to your plan—or get a new one!

• Losing Other Coverage: If you lost your job or your employer-based coverage, you’re eligible for SEP.

• Moving: A significant move, like relocating to a new ZIP code, can trigger SEP.

The SEP usually lasts 60 days from the date of the qualifying event, so don’t delay! Reach out to us as soon as you can so we can help you navigate the process.

Medi-Cal: No Deadline Here!

If your income is within certain limits, you might be eligible for Medi-Cal, California’s Medicaid program. The best part? There’s no enrollment deadline for Medi-Cal. You can apply anytime throughout the year.

Medi-Cal offers comprehensive coverage, including doctor visits, hospital stays, and even dental care. If you’re unsure about whether you qualify, we’re here to help you figure it out.

Photo: Person holding a Medi-Cal card with a thumbs up*

Short-Term Health Plans: A Temporary Solution

If you don’t qualify for SEP or Medi-Cal, a short-term health plan might be an option. These plans are designed to bridge the gap until the next Open Enrollment Period, covering you for unexpected medical expenses.

However, be aware that short-term plans might not offer the same level of coverage as ACA-compliant plans. They often exclude essential benefits like maternity care, mental health services, and prescription drugs. Make sure you understand what’s covered before you sign up.

Plan for Next Year’s Open Enrollment

If none of the above options work for you, it’s time to mark your calendar for the next Open Enrollment Period. While it might be a bit of a wait, planning ahead ensures you won’t miss out again.

In the meantime, focus on staying healthy, and take advantage of any community health resources that are available to you.

We're Here to Help

At Infini Insurance Services, we understand that life happens. Missing Open Enrollment can be stressful, but our team is here to help you explore your options. Whether you qualify for SEP, Medi-Cal, or need advice on short-term coverage, we’ve got your back.

Remember, you’re part of our family, and we’re committed to ensuring you have the health coverage you need. Don’t hesitate to reach out—we’re just a phone call or email away.

Take a deep breath and relax. Missing the deadline doesn’t mean you’re out of luck. With a little guidance and the right information, you can still get covered and protect your health. Reach out to Infini Insurance Services today, and let’s find the best solution for you!