What Do I Do If My Health Insurance Policy Was Cancelled for 2018?
If your insurance provider informed you that your current plan won't be available for 2018, you qualify for a 60-day special enrollment period (SEP). This is true even if your state's health care marketplace automatically enrolled you in a different plan.
Up until or during the 60-day period following the end date of your 2017 plan, you can select a new plan. To do so, call or visit NY State of Health and tell them you need to apply for a special enrollment period "due to loss of minimum essential coverage."
Example: If you got a letter from your insurer telling you that your plan won't be available after December 31, 2017, you have until March 1, 2018 to apply for the special enrollment period and pick a new plan.
Be prepared to show proof that your insurer has canceled your plan -- the notice from your insurance provider will do the trick.
Here's when your new coverage will start:
- If you enroll between December 16 and December 31, coverage will begin on January 1
- If you enroll between January 1 and January 15, coverage will begin on February 1
- If you enroll between January 16 and February 15, coverage will begin on March 1
- If you enroll between February 16 and March 1, coverage will begin on April 1
For more information about enrollment, see How to Sign Up for Obamacare in New York.
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Many people have turned to social media to vent their frustration and seek solutions to their problems -- an insurance agent or broker may also be a big help.
A licensed insurance agent or broker can help you compare plans, figure out whether you qualify for subsidies, and apply for coverage in New York.