If you’re looking to enroll in a traditional health insurance plan, you’ve missed your open enrollment window of opportunity. The time to sign up for health insurance like Medicare or individual market health insurance plans under the Affordable Care Act (ACA) is in the fall during “open enrollment.” If your employer offers health insurance, there may be other time periods during the year in which you can sign up, but there will be restrictions.
Either way, for traditional health insurance, you are limited to when you can enroll. Additionally, if you already have a plan but want to make changes to it, the open enrollment period is usually the only time you are allowed to make modifications. Once that window closes, you’ll need to wait until the following year to sign up or make changes, unless you experience an event that qualifies you to enroll outside this timeframe.
If you want to make a change in the way you manage your healthcare expenses, but you missed the open enrollment period to do so, it may be a blessing in disguise. Now is the perfect time to evaluate options outside of conventional health insurance to manage the cost of medical care.
Christian Health Sharing Plans Are Always Available
Whether you already have a health insurance plan that you’re looking to modify or you don’t have any coverage at all after missing open enrollment, you have other viable options to consider. Health sharing ministries offer a more affordable and flexible option to manage your family’s medical expenses. And you can enroll at any time.
One of the biggest perks of becoming a member of a Christian health sharing ministry is there is no need to wait for an open enrollment period to sign up for a program or make changes to an existing one. Instead, you can enroll any time of the year.
Programs range in type of coverage and price, so there are plenty of options to consider before choosing one that best suits your family’s needs and budget. And because there’s no deadline to enroll, you can take your time mulling over your options before deciding on the right program for you and your household.
Flexibility is a key benefit to health sharing ministries, but it’s not the only one. Not only do you have the freedom to enroll at any time of the year, but you also have the flexibility to choose the type of healthcare practitioner to work with rather than being restricted to the physicians under the sometimes limited network of a health insurance plan.
Further, you can realize significant savings compared to traditional health insurance. In fact, members can save as much as 30% to 40% when compared to the cost of traditional healthcare premiums.
At UHSM, we offer a variety of programs to fit the needs of almost every family type. Get in touch with a representative today to explore which one is most suitable for you.