Qualifying Events

Know that you have choices. Plan cancellations are a reality. The good news is that most plans are changing for the better.

Due to the Affordable Care Act (ACA), coverage has expanded to include essential health benefits like preventive care, mental health services, maternity benefits and much more. Now that your old plan is no longer an option, we’re here to help you find something that suits your current needs.

You might not be a huge fan of health insurance companies right now. We get that, but going without insurance just doesn’t make sense. You’d be taking too big of a risk.

• You lose your Medicaid eligibility (because you have a change in household income, for example).
• Your child passes the maximum age for CHIP coverage. Only individuals covered on the CHIP plan and losing coverage are eligible for Special Enrollment.

Just because your income is low today doesn’t mean it always will be. You can take advantage of a temporary Short Term health insurance plan.¹ You can drop your coverage anytime, whenever your situation changes.

Our insurance plan portfolio offers you a broad range of coverage, plan types, deductibles and supplements – each with its own particular advantages. Our goal is to provide you with comprehensive and personal health plan choices that fit your needs and budget.

The advantages of your own health plan:

• Fitted – You can select a plan that’s a good fit for your specific health concerns or tight budget.
• Portable – You can base your job decisions on your career goals, not the benefits offered.
• Stable – If your job changes, you keep your plan and any deductible you’ve paid.

Take a look at all our plans options now.

Let’s say your employer offers group health insurance. Just not yet. Many employers require a waiting period before starting coverage.

Our Short Term health insurance plans can give you the security you need to fill your temporary health insurance gap.¹ These plans can be canceled, without any penalty.

View your Golden Rule Insurance Company Short Term health insurance plan options now.

Employers are increasingly dropping group employee health insurance coverage as a benefit. Some are offering stipends for you to buy your own individual health insurance, others are not. But, the good news is that you have more options than ever before for finding the right coverage for you.

If you’ve participated in group plans before, you know that your employer calls the shots when it comes to your coverage. With individual health insurance, you get to choose what’s right for you.

View the full range of your Health Insurance plan options now.

Is your COBRA coverage about to expire? After months of not worrying about health insurance, do you know what to do next?

Here’s the good news: Rolling off of COBRA coverage is a qualifying event that opens a special enrollment period for you to purchase your own health coverage. And you’ll have more options, flexibility and control of your health plan outside of COBRA with an individual health insurance plan.

So now you get to call the shots, and we can guide you along the way. We have plans of all shapes and sizes. We’ll help you find a plan that provides the health care you need within your budget.

1. Determine what type of plan you want

• Compare new plans to what you’ve had before.
• Check out the scope of benefits offered.
• Determine what benefits you like and what you don’t.

2. Look for coverage that meets your health care needs

• Do you visit the doctor’s office or hospital often?
• What are your dental or vision needs?
• Are there any medications you take regularly?
• What current or upcoming health needs do you have?

3. Figure out your health care budget

• Get a plan with a deductible, the amount you pay before your insurance pays anything, you are comfortable paying.
• Choose a monthly premium, what you pay to have your insurance coverage, that fits your budget.

4. Know the cost benefits of in-network care

• Look at your provider’s network options.
• Make sure your health plan covers the providers you need.

Strike and lockout situations can be difficult to handle. There’s usually plenty of confusion and frustration to go around. Amidst the strain of it all, you may have lost your health insurance due to these changes at work. Or maybe your life has changed and you’re now leaving the union and losing your health coverage.^F75

No need to worry. Losing your job-based health insurance coverage may be a qualifying event that triggers a special enrollment period when you can find a private, individual health insurance plan.

We know that times are tough and that’s why we have plan options for budgets big and small. Even if you’re eligible to receive COBRA benefits, we can help you weigh all of your options from long-term to Short Term insurance plans.

Let’s say though, that you’ve decided to walk away from a union for good. Leaving a union, for any reason, brings with it some uncertainty. You may have had close relationships there and a variety of benefits including health insurance.

No need to worry if you lost health coverage. You can now find insurance on your own. Losing group health coverage from your employer or union is a qualifying event that opens a special enrollment window when you can find an individual health insurance plan.

Good news: If you lost your health coverage after returning from military service, this qualifying event opens a special enrollment period for you. In an effort to make your transition into post-military life smoother, let us help you find a health insurance plan that gives you the coverage you need.

1. Determine what type of plan you want

• Compare new plans to what you’ve had before.
• Check out the scope of benefits offered.
• Determine what benefits you like and what you don’t.

2. Look for coverage that meets your health care needs

• Do you visit the doctor’s office or hospital often?
• What are your dental or vision needs?
• Are there any medications you take regularly?
• What current or upcoming health needs do you have?

3. Figure out your health care budget

• Get a plan with a deductible, the amount you pay before your insurance pays anything, you are comfortable paying.
• Choose a monthly premium, what you pay to have your insurance coverage, that fits your budget.

4. Know the cost benefits of in-network care

• Look at your provider’s network options.
• Make sure your health plan covers the providers you need.

A leave of absence means a time of transition and change. You’re likely dealing with a lot. On top of it all, depending on the type of leave, FMLA or otherwise, you may also find yourself looking for new health insurance.^F74

The good news: Losing your job-based health insurance coverage for any reason may be a qualifying event that opens a special enrollment window giving you 60 days from the day you lose your coverage to buy your own individual health insurance.

We realize that dealing with health insurance right now may feel overwhelming. It’s our job to make it easy for you to find a plan that meets your needs and your budget. With our helpful online tools and licensed Product Advisors, we can help you find a plan that meets your specific needs.

1. Determine what type of plan you want

• Compare new plans to what you’ve had before.
• Check out the scope of benefits offered.
• Determine what benefits you like and what you don’t.

2. Look for coverage that meets your health care needs

• Do you visit the doctor’s office or hospital often?
• What are your dental or vision needs?
• Are there any medications you take regularly?
• What current or upcoming health needs do you have?

3. Figure out your health care budget

• Get a plan with a deductible, the amount you pay before your insurance pays anything, you are comfortable paying.
• Choose a monthly premium, what you pay to have your insurance coverage, that fits your budget.

4. Know the cost benefits of in-network care

• Look at your provider’s network options.
• Make sure your health plan covers the providers you need.