How To Obtain Health Insurance Under the Affordable Care Act (ACA) If Your Are Out Of Work Due to COVID-19

Millions of Americans are suffering from lost wages and unemployment during the COVID-19 crisis. This means that millions have lost healthcare coverage as provided by their employer. The good news is that the Affordable Care Act can provide coverage for anyone going without.

Typically, people can only obtain ACA coverage between November and December during the open enrollment period. Still, if you have a “qualifying life event” like losing your health coverage due to a layoff, you can enroll at any time. Also, many states have deemed the Coronavirus pandemic a special enrollment event for anyone who does not currently have coverage.

To obtain coverage, you will have to fill out an application online through either an agent or broker or via a certified enrollment partner. You may also call the Marketplace to enroll over the phone, and for those who still prefer the paper method, you can fill out and mail in a physical application. There are dozens of resources online that can help you to navigate this complicated process.

Remember that healthcare is notoriously expensive in our nation. Something as minor as a trip to urgent care or the ER can significantly set a family back with their financial planning. Considering that most people suffering from COVID-19 require hospital stays and the use of expensive equipment like ventilators, now is not the time to risk going without health care.

If you are struggling to understand your rights and what programs you are entitled to, call our legal team in Glendale, California, for help and guidance. We can help you navigate the transition out of employment and into unemployment, and we will ensure that you receive the best coverage available to you.

Remember that we are all experiencing this pandemic together. By helping each other through difficult times, the entire experience will be easier for everyone. So don’t panic if you lose your healthcare coverage. There are options out there for you, and we will help you to find them.