The Major Medical Health Insurance Exchange provides NAR members with access to qualified (ACA) major medical insurance plans.
During Open Enrollment (which typically runs from November 1st to December 15th, annually) you can research health insurance information, obtain quotes, compare plans and purchase directly online. This is the time when you can change or enroll in an individual major medical qualified health plan (QHP) for any reason regardless of pre-existing conditions.
Outside of Open Enrollment, you generally can enroll in a major medical health insurance plan only if you qualify for a Special Enrollment Period. These Special Enrollment Periods (SEPs) are based on certain triggering events. Triggering events that permit a Special Enrollment Period include but are not limited to:
• Marriage or Divorce • Adoption/Placement of Child • Job Loss • Determination that an individual is newly eligible or ineligible for premium tax credits or a change in eligibility for cost-sharing reductions • Permanent move to an area where different QHPs are available
In most cases, SEPs will extend for 60 days from the date of the triggering event.
Complimentary consultative services are a key part of the benefits available to NAR members and this service is available year-round. If you have questions and need assistance with your major medical coverage, licensed enrollment specialists can help you find solutions. Call 1-877-267-3752.