How to Get Health Insurance Outside Open Enrollment Period

For consumers who want health insurance but missed the open enrollment deadline under the Affordable Care Act and its extensions, your best bet is to purchase short-term health insurance to protect you against major medical debt in case of emergencies.
Unpaid medical bills are the leading cause of bankruptcy in the U.S., said Egon Smola, a senior vice president at Getlnsured, a Palo Al to, California, health insurance broker. If you are between 25 and 34 years old, you have a 5 percent chance of incurring medical bills of at least $ 27,000 this year and a 10 percent chance of medical bills of at least $ 13,000 , he said.