Missed Open Enrollment & Need Coverage?
Non-Government Plans are Available

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* Prices are fixed by law. You can't find lower rates anywhere else.

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Non-Government Plan Options Provide Coverage until the Next Open Enrollment

You should consider getting a Non-Government Plan if you meet both of the following conditions:

  1. you missed the Open Enrollment Period and
  2. you do not have a Qualifying Life Event,

Or certain life changes that would have allowed you to get a Government Plans after Open Enrollment.

Non-Government Plans -- which are sometimes referred to as “Private Plans” or “Short Term Plans” -- are a temporary solution meant to provide you with coverage until you are eligible for a Government Plan. They are often purchased for a predefined term -- anywhere from 30 days to 12 months and everything in between.

It is important to not have any lapses in medical coverage. An unforeseen medical issue or emergency can be extremely expensive if you are uninsured, sometimes in the range of tens to hundreds of thousands of dollars.

The changes in the health care law require that all Americans have health insurance, or face a fine in the form of a tax penalty. It also requires that no insurance company can deny you coverage for preexisting conditions. Since Non-Government Plans are not directly supported by the government, you may still face a fine and subsidies, or government “discounts,” are not available. For the same reason, you can also be denied coverage. Fortunately, because Non-Government Plans are for a temporary term, they tend to be inexpensive. If you are denied coverage by one insurer, GovernmentHealthInsurance.com can help you find another.

To compare Non-Government Plans, please enter your zip code and fill out the 1-page application.

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