In some limited cases, insurance companies sell private health plans outside of Open Enrollment that count as qualifying health coverage (QHC).
Please take note of the following with regard to these plans:
- Get Covered Illinois does not list or offer these plans. The only way you can enroll in a health plan through Get Covered Illinois outside of Open Enrollment is if you qualify for a Special Enrollment Period (SEP).
- You can find these plans through some insurance companies, agents, brokers, and online health insurance sellers. If you buy a plan outside of Get Covered Illinois at any time, you are not eligible for premium tax credits or other financial assistance based on your income.
- Insurance companies can tell you if a particular plan counts as minimum essential coverage. Each plan's Summary of Benefits and Coverage also includes this information.