I live in NY and I woke up on May 1 to realize my insurance had been dropped with no communication or warning. I'm too cynical to be surprised that this happens, but I had been explicitly told in a mailing from the NY State of Health that the Essential plan I'm transitioning off of after a divorce didn't expire until May 31. Nope, boom, gone.
I thought I still had about a month to pick a bronze/silver marketplace plan -- which I do, it just won't go into effect until June 1. And I can't go back. And I can't use COBRA. And NY state does not offer short-term health insurance. The only thing I can do is file an appeal which will not be heard until *after* my new insurance goes into effect. Just amazing stuff.
Any advice? The only thing I have not tried is to call up my old insurance company and ask them for a quote for a month's coverage. They're a casino and I'm inviting them to rip me off. But they are probably barred from doing this? After that, uh, get turned away by the Aflac duck I guess? Focus on not being hit by cars? Thank you for reading!