We're here to help you choose and understand your plan

Certain life events may qualify you to change your current health plan or sign up for a new one outside of open enrollment. This is called a special enrollment period. If you qualify for a special enrollment period, you have up to 60 days after the event to enroll or change your plan.*

Qualifying life events include, but aren’t limited to:

• Changes in family size (if you marry, divorce or have a baby, etc.)
• Moving to a new area
• Non-calendar year policy renewal
• Loss of coverage due to job loss, loss of group health coverage, divorce, death, aging off a parent’s plan or losing Medicaid or Children’s Health Insurance Program coverage
• COBRA coverage ending

Visit hap.org/sep for a list of qualifying life events.

Special enrollment periods can occur year-round. You can apply for one during or outside of the open enrollment period. Proof of the qualifying event (such as a birth certificate or marriage license) is required. To apply for a special enrollment period, talk to your agent, call a HAP representative at (855) WITH-HAP (948-4427) (TTY: 711) or visit hap.org/plans.

Are you shopping for an individual or family plan for the first time? Or are you a current HAP member? Either way, we have a plan for you. For help choosing a plan:

• Visit hap.org/plans
• Call one of our knowledgeable, licensed HAP representatives at (855) WITH-HAP (948-4427) (TTY: 711)
• Talk to your agent

The Affordable Care Act was designed to improve access to healthcare for everyone. Under the ACA, you can’t be denied coverage or charged a higher rate because of a pre-existing medical condition.

The ACA requires most Americans to have health insurance. If you don’t have coverage through an employer health plan, Medicare or Medicaid, you’ll need to get it on your own.

1. If you currently have health coverage, learn how your plan works and what your costs are to use it (for example, premiums, deductibles, copays, coinsurance, etc.).

    

2. Visit hap.org/plans to review your health plan options. If you’re already a HAP member, see if your current plan still meets your needs. Our website has tools to help you find the right plan for you and your family.

   Go to hap.org/plans to:

   • Get help choosing a plan
   • Estimate plan costs
3. Write down any questions you may have.

    

4. Gather information about your household:
   • Number of family members who need coverage
   • Monthly household income
   • Personal information on each person to be covered (date of birth, Social Security number, etc.)
5. Set a monthly health care budget so you know how much you can spend on premiums and out-of-pocket costs.

    

6. List the primary care doctors for all family members who’ll be covered. If you’re enrolling in an HMO plan, you’ll need to choose a primary care physician or one will be assigned for you. To see if your doctor is in the HAP network, visit hap.org and click on Doctors at the top of the page.

    

7. Make a list of all medications you and your family members take. And check if those medications are covered in the health plan’s covered drug list, also called a formulary. Visit hap.org/prescriptions for a list of covered drugs.

    

8. If you’re enrolling during a special enrollment period, gather the required proof of the qualifying event.