We are a Reno, full service health insurance brokerage with over 25 years of experience. We are dedicated to helping people understand their health insurance plans, whether they buy through Healthcare.gov or on the individual and family health insurance market. Outside of open enrollment, individuals can still apply with Healthcare.gov through special events called qualifying events. Experiencing one of these qualifying events opens a specific time period when the applicant can enroll. This is usually a 90 day period. If you’re not sure if your specific situation meets one of these qualifying events, just give us a call and we will let you know.
In Nevada, an individual may apply off “the exchange” with non-Healthcare.gov plans, directly with the insurance companies, at any time. Without a qualifying event there is usually an extended waiting period before the coverage begins. Most insurance companies have adapted a policy of “first of the month following 90 days”. For plans through Healthcare.gov, we are in effect locked out until next open enrollment (November) unless we experience a qualified life event.