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Understanding Enrollment Times for Short-Term, Personal, and Group Coverage in Southeast Wisconsin

By Ryan Vandehey | 9/10/2024

When it comes to navigating the complex world of health insurance, understanding enrollment periods is crucial. At Brehm-Rose Health LLC, your local health insurance agency, we aim to simplify this process for you. Whether you’re seeking short-term, personal, or group coverage, knowing when and how to enroll can help you make informed decisions for your healthcare needs.

Short-Term Health Insurance Enrollment

Short-term health insurance plans are ideal for individuals who need coverage for a limited period, such as between jobs or during a transition period. Enrollment for short-term plans typically occurs year-round, allowing you the flexibility to secure coverage when you need it. However, keep in mind that these plans often come with limitations and may not cover pre-existing conditions.

Key Points:

  • Eligibility: Open to anyone needing temporary coverage.
  • Enrollment Period: Year-round.
  • Best For: Individuals in transition, recent graduates, or those waiting for permanent coverage.

Personal Health Insurance Enrollment

For those seeking long-term coverage tailored to individual needs, personal health insurance plans are available. In Wisconsin, open enrollment for personal coverage usually occurs annually, but qualifying events—such as marriage, childbirth, or loss of other health coverage—can trigger special enrollment periods.

Key Points:

  • Eligibility: Must meet specific criteria based on life events.
  • Enrollment Period: Annual open enrollment with options for special enrollment.
  • Best For: Individuals needing ongoing, personalized healthcare solutions.

Group Health Insurance Enrollment

Group health insurance plans are often provided by employers and can offer comprehensive coverage at a lower cost compared to individual plans. Enrollment typically occurs during the company's designated open enrollment period, usually once a year. However, employees may qualify for special enrollment if they experience qualifying life events.

Key Points:

  • Eligibility: Offered through employers to their employees.
  • Enrollment Period: Annually during company open enrollment, with options for special enrollment.
  • Best For: Employees looking for affordable and comprehensive coverage.

How to Get Started

At Brehm-Rose Health LLC, we are committed to helping you navigate your health insurance options. If you have questions about enrollment times for short-term, personal, or group coverage in Southeast Wisconsin, our team is here to assist you.

Contact Us for a Consultation

To learn more about your options or to receive personalized assistance, you can reach out to us easily. Fill out our online contact form, or give us a call at (262) 691-9880. Our knowledgeable team is ready to provide you with the guidance you need to make the best health insurance decisions for you and your family.

By understanding the enrollment times for various coverage types, you can better prepare for your health insurance needs. Brehm-Rose Health LLC is your trusted partner for Wisconsin health insurance, dedicated to serving the Southeast Wisconsin community. Don't hesitate to contact us today!