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BidenCare Special Enrollment

Our promise at Biden-Care.com is to provide you with accurate, reliable information about upcoming changes to the health insurance industry under a new Biden administration.

BidenCare seeks to build upon, strengthen, and clarify ObamaCare's provisions.

The Affordable Care Act (ACA) says that most people applying for health insurance through the federal marketplace must sign-up at certain times.

Open Enrollment is the name for this period, typically in the fall, but states have broad leeway to set enrollment deadlines for their insurance exchanges. For instance, in California, the open enrollment period is much longer than the federal period.

But what happens when you need health coverage right away, and Open Enrollment doesn't begin for several months?

That's what health insurance Special Enrollment is for!

If you don't carry or have lost your insurance coverage, you'll still have a chance to sign-up for health plans during Special Enrollment.

The caveat is that you have to meet specific requirements to qualify as outlined in the ACA.

When is Open Enrollment?

You can begin signing up for ObamaCare health plans from November 1, 2021, through December 15, 2021.

You can also switch your insurance coverage and keep the tax credits to offset the premium and deductible expenses during this period.

Medicare relies on a similar but distinct open enrollment window; you can also apply for Medicaid at any time based on need.

What is the BidenCare Special Enrollment period?

Above all, President Biden wants to increase access to affordable health insurance for every American.

What this means for you is that you'll have more ways to find, pay for, and manage your health insurance. So far, we expect BidenCare to keep Special Enrollment stipulations in place.

How do you qualify for the BidenCare Special Enrollment period?

At Biden-Care.com, we help consumers streamline the search for health insurance, which remains complicated and tough to navigate for beginners.

Those who need to use Special Enrollment are patients most in need that can't wait for Open Enrollment to come around.

To qualify for Special Enrollment under BidenCare, you need to show that you've recently gone through qualifying life events, as specified in the ACA.

Here are the most common life events that will qualify you for Special Enrollment.

Marital status

One scenario is a change in marital status. Often, people have insurance through their spouse's employer-sponsored plan, so once they end the marriage, health coverage goes along with it.

Getting married is another scenario outlined in the ACA because you might need to add beneficiaries but can't wait for Open Enrollment.

Having a child or adopting a child

If you have a child, you can apply for BidenCare plans outside of Open Enrollment, too. We anticipate that BidenCare plans may stay the same as ObamaCare plans, which already include prenatal care.

Adopting a child counts as another qualification as sometimes these children have special needs that can't wait until the next Open Enrollment period.

Losing health insurance within the last 60 days

Losing your employer-sponsored health insurance can be equally as devastating as the financial impacts, especially if you have a pre-existing condition like diabetes or high blood pressure.

An important note: You must sign-up for Special Enrollment within 60 days of losing coverage. Similarly, you can sign-up for Special Enrollment as many as 60 days before losing the insurance if you know ahead of time.

Moving out of state

The ACA doesn't punish those who may get a new job and need to move out of state. In this situation, before ObamaCare came along, you would have no choice but to lose coverage and reapply in your new home state.

The reason is that states administer subsidized exchanges on their own without the federal government handling every detail.

Death of a loved one

In cases of tragedy and misfortune, such as a loved one's death, you can sign-up for insurance during Special Enrollment. The intent is to allow people who have lost coverage when their spouse passes away.

Additional qualifying life events

The previous life events are the most common, but other life events qualify, too.

If you have any questions about qualifying life events, we'd be happy to answers them!

Additional life events that count for special Enrollment include:

  • Getting a new job or losing a job
  • Gaining citizenship
  • Suffering an extended hospital stay
  • Developing a disability
  • Release from a correctional institution
  • Recovering from a natural disaster
  • Correcting administrative errors

These life events qualify you for Special Enrollment at any time.

At Biden-Care.com, we strive to help consumers find the best insurance policies at the best price.

We're not a government-funded website, and we're not insurance brokers. We're here for you.

If you don't know if you qualify for Special Enrollment, call to talk to an agent.

How Does it Work?

Finding the right health insurance has never been easier! In three simple steps, find the perfect plan for your healthcare needs:

Step 1:
Enter your ZIP code.
Step 2:
Tell us more about yourself. What are your coverage needs and affordability requirements? Do you suffer from any chronic medical conditions or take prescription drugs? Do you seek greater coverage or lower premiums? This information will allow us to help you find the right providers.
Step 3:

Compare multiple plans from trusted carriers to find the program that best suits your needs. Review eligibility requirements, pricing, coverage accessibility, and more all from a single, easy-to-use interface.

We are always happy to help our clients with further assistance in navigating our website. Call to speak to a live agent who can help address all your questions and concerns and offer detailed guidance.

Choose Your State To Get Plan Options
To see your personalized list of health plan options now, enter your zip code.

Our lowest price guarantee: You can’t find lower rates anywhere else.

Still looking for rates? Biden-Care.com, a licensed health insurance broker, can help you get a competitive quote.
Want to see other companies' rates? Check out these insurers that serve your area:

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Biden-Care.com is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at biden-care.com/licenses.html.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on Biden-Care.com are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.