Can I add dependents to my health insurance at any time?

If you live with your family in Little Falls, MN, you may already have your health insurance policy through Hanneken Insurance Agency, Inc.. Having health insurance is a legal requirement, but even more importantly, it protects your family and helps make sure you can all get the necessary medical care you need. 

Because of the new laws regarding health insurance, it has become easier to purchase it through the marketplace. A new policy can be purchased at any time someone first enters the marketplace, but buying outside of the open enrollment period may keep you from getting tax breaks or other savings based on how much you earn.

The open enrollment period is the time at the end of the season where people can sign up for a new policy, change from one policy to another without penalty, or add dependents. You will normally not be allowed to add dependents outside of this period. 

If you are experiencing certain kinds of life events, you will be eligible for a special enrollment period. For instance, if you got divorced, you can enroll in a health insurance policy if the divorce caused you to lose your insurance. 

This special enrollment period can be used to add dependents. If you got married to someone who already has children, your marriage will qualify you for the special enrollment period and you will be allowed to add the children to your insurance if you want. 

You want to make sure that you are taking care of your family as well as possible. If you live in Little Falls, MN, please feel free to contact Hanneken Insurance Agency, Inc. so we can help you make sure your insurance covers everything you need.