Health insurance cannot be purchased by individuals or families outside the open enrollment dates unless a qualifying event (such as marriage, divorce, birth or job loss) occurs. However, small business owners can offer coverage to employees year-round, whether plans are obtained through the SHOP Marketplace or through an insurance agency. Those wishing to apply for Medicaid or for the federal and state-funded Children’s Health Insurance Program (CHIP) can apply at any time of the year.
Sackett & Associates Insurance Services is an independent insurance agency serving Sonoma County since 1979. To ask questions or to receive a no-obligation quote for your family or business, contact Sackett & Associates today.