What are the consequences of not enrolling by the deadline?

If an individual does not enroll in health coverage through Covered California by the deadline, several consequences may arise. First, individuals may find themselves without health insurance for the duration of the year, which can expose them to high medical costs in the event of an illness or injury. Without coverage, they will be responsible for paying all medical expenses out of pocket, which can be financially burdensome. Additionally, Covered California has specific enrollment periods known as open enrollment periods. Missing this deadline typically means that individuals must wait until the next open enrollment period to obtain insurance, unless they qualify for a Special Enrollment Period due to specific life events, such as marriage, the birth of a child, or loss of other health coverage. In such cases, individuals can apply for coverage outside the standard enrollment timeframe. It is important for individuals to stay informed about the enrollment dates and requirements on the Covered California website to avoid any gaps in their health coverage. The website also provides resources and tools to assist in understanding the enrollment process and the options available.