You still have options for getting coverage even though the 2014 enrollment deadline has passed.What are your options?
1. Did you have a qualifying life event?
There are many life events which enter you into a special enrollment period. If you think you might qualify or just aren’t sure, use the NMHIX Qualifying Tool.
Fill out a short form and we can help you determine your status.
Changes in your household, including: marriage, civil union, divorce, annulment or legal separation; birth; adoption; fostering or becoming a legal guardian; death of a spouse or dependent; leaving incarceration, gaining citizenship.
Loss of health coverage due to: change in you or your spouse’s work status; divorce; aging out of your parent’s coverage after your 26th birthday; change in status of dependent’s eligibility; COBRA coverage ends, loss of Medicaid or CHIP eligibility.
Voluntarily ending coverage doesn’t qualify you for a special enrollment period.
Gaining status as a member of an Indian tribe – Members of federally recognized Indian tribes can sign up or change plans once per month throughout the year. Learn more about how to sign up as a Native American here.
Important: You have 60 days from the date of a life changing event to qualify and enroll in a Special Enrollment Period.
2. Apply for Medicaid and CHIP
You can apply for Medicaid and the Children’s Health Insurance Program at any time, all year long – there is no limited enrollment period for either program. If you qualify, you can enroll immediately.
New Mexico is expanding its Medicaid program to cover households with incomes up to 138% of the federal poverty level. That works out to $16,105 a year for 1 person or $32,913 for a family of 4. You can find out whether you qualify for Medicaid in New Mexico 2 ways: By filling out an application with this exchange or through the state Medicaid Office.
3. File for an exemption
Most people are required to have Minimum Essential Coverage, or face a penalty when they submit their income tax return. These are some situations where an exemption to this requirement may be granted. For the 2014 plan year, individuals can submit an exemption request with the Federally Facilitated Exchange.
Information on submitting an exemption request can be found here.
4. Appeal a decision
If you believe any decisions about your eligibility or the costs you pay are incorrect, you can file an appeal.