What if I need coverage that starts before January 2014?

You can buy individual insurance that starts before January 1, 2014. We can help you find your options. Please note, since the ACA (Affordable Care Act) doesn’t take place until January 1, some rights and benefits won’t apply yet.

You can still shop for an ACA plan for January 1, 2014, however if you don’t have coverage now and need it before then, you have several options. You can buy directly from an insurance company with our assistance or using our online service

You can purchase either a temporary plan for 1-3 months, or a permanent plan. No matter which plan you buy, be aware that some protections and benefits of the health care law are not yet in effect such as the underwriting process. For example:

  • You may be denied coverage, charged more, or have certain kinds of limits or exclusions if you have a pre-existing condition.
  • Women may be charged more than men.
  • Plans may not include or offer essential health benefits, so find out the benefits and exclusions before you apply.
  • You won’t be able to get lower costs based on your income, as you might be able to with a Marketplace plan.

Also before you apply, make sure you can stop your policy–at any time, and find out how to cancel. If you are planning on switching to an ACA plan from the Marketplace later, this will be valuable information.

Health Insurance Marketplace open enrollment starts October 1, 2013 and ends March 31, 2014. Coverage can begin as soon as January 1, 2014.

Please give us some info about yourself so we can assist you more.

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