Insurance after Open Enrollment

Insurance after Open Enrollment ends: Options are Available

In the final days of the annual Open Enrollment Period (OEP) under the Affordable Care Act, many rushed to get enrolled in qualified health plans. Those who missed the deadline are left wondering what options they have to obtain health insurance.

Good news! Even after annual OEP has ended, there are still health plans and coverage available for NAR members. There are two main ways in which NAR members can get coverage outside of OEP: through a Special Enrollment Period (SEP) or through our alternatives to qualified health plans.

Alternatives to Qualified Health Plans

As a member of the National Association of REALTORS®, you have access to a variety of alternative health plans, all of which are available for NAR Members year-round.

REALTORS® Core Health Insurance (RCHI) offers affordable, guaranteed-acceptance, Limited Indemnity Medical insurance plans exclusively for NAR members aged 18-64. RCHI plans are exclusively designed and priced specifically for NAR members and include benefits for:

  • doctor office visits
  • wellness visits
  • emergency room benefits
  • surgery benefits
  • a prescription discount card and more

While REALTORS® Core Health Insurance plans do not meet the mandated coverage necessary to avoid penalty under the Affordable Care Act, many REALTORS® have taken advantage of these valuable plans, as a QHP alternative.

Short Term Medical Insurance is designed to be an affordable temporary medical policy which can last from 30 days to 6 months. This is a great way to bridge a gap in coverage until the next Open Enrollment Period, offering:

  • next day coverage
  • freedom to choose any provider
  • many co-insurance and deductible options
  • coverage for an exact number of days, up to 180 days

Qualification depends on a few questions, and approval is issued instantly.

Please note, Short Term Medical Insurance plans do not meet the mandated coverage necessary to avoid penalty under the Affordable Care Act, however these plans can be very attractive, due to flexible coverage options and the affordability they offer.

If you have questions about any of the plans offered through the REALTORS® Insurance Marketplace, speak to a licensed agent by calling 877-267-3752. It’s not too late to find health coverage.