FAQs: Special Enrollment

Missing your premium payment normally isn't a life event that qualifies you for Special Enrollment.

If you still want to enroll in an Individual and Family health insurance plan, you'll likely have to wait until Open Enrollment. Open Enrollment begins every Nov. 1. You don't need to go through a life event to enroll during Open Enrollment.

Once you've submitted your application and made your premium payment, you can't choose a different plan through Special Enrollment.

You can update certain details of your plan, like your primary care provider (PCP).

If you want a different plan than you selected, you can update your coverage during Open Enrollment. Open Enrollment begins every year on Nov. 1.

You can. If you've gone through a life event that qualifies you for Special Enrollment, you can choose a new insurance provider, like BCBSIL. Shop with us to find a plan that better fits your needs.

If you don't qualify for Special Enrollment, you'll be able to update your plan starting Nov. 1 during Open Enrollment.

If you're happy with the plan you chose during your Special Enrollment Period, there's nothing you need to do during Open Enrollment. Just continue making your premium payments for your coverage to stay active.

Please note, your plan costs and benefits may change for the new year.

If you know your life event is coming up, you may have the chance to enroll in new coverage or update your plan up to 60 days before your life event takes place. However, if you enroll early, you may have to revisit your application to provide documentation showing the date your life event took place.

Some common life events you may know ahead of time are:

• Moving
• Having or adopting a baby 
• Getting married
• Leaving your job

If you have questions, please visit Healthcare.gov.   

You can. If you want to keep your BCBSIL individual coverage but add your partner or children, you can update your plan details in our shopping platform. Or, if you want to choose a new plan, you can find coverage that best fits your family. If you add your partner or any dependents, it will likely impact your plan's costs.

It's likely that your deductible and other health plan costs may reset or change when you update your coverage through Special Enrollment. If you have questions or concerns, please check and enroll with an independent authorized agent.