health insurance without being employed

[stephanie918 46]

When my husband and I move over from Australia, neither of us will be covered as neither will have a job right away.  I'm assuming we will just purchase it outright for our family and pay the full cost until one of us is employed and can get the spouse added.  Can we enrol at anytime if we are paying privately (not going through an employer)?

[zochu 255]

That's a difficult one. My husband is moving back before my daughter and I to set this up specifically 

 

I just checked Blue Shield and it's closed for enrollments but there is an application process for special enrollment. This is for Washington State

 

Maybe try contacting a health insurance provided to see if you can enroll without being linked to an employer

[geowrian 22,337]

Change of residency is a valid qualifying life event for special enrollment.

[stephanie918 46]

34 minutes ago, zochu said:

That's a difficult one. My husband is moving back before my daughter and I to set this up specifically 

 

I just checked Blue Shield and it's closed for enrollments but there is an application process for special enrollment. This is for Washington State

 

Maybe try contacting a health insurance provided to see if you can enroll without being linked to an employer

thanks, yeah I think moving into the country qualifies as a special event, so should be able to enrol outside of open enrolment. 

[zochu 255]

1 minute ago, stephanie918 said:

thanks, yeah I think moving into the country qualifies as a special event, so should be able to enrol outside of open enrolment. 

I would assume so too. 

 

I'm sure you'll be able to enroll and get health insurance privately without being linked to an employer. I've seen on here and from what my husband has said it sounds very expensive! Good luck!

[stephanie918 46]

1 hour ago, zochu said:

I would assume so too. 

 

I'm sure you'll be able to enroll and get health insurance privately without being linked to an employer. I've seen on here and from what my husband has said it sounds very expensive! Good luck!

thanks, yeah I have a feeling they'll want my money, so will let me pay privately.  Hopefully it isn't for too long

[geowrian 22,337]

13 minutes ago, stephanie918 said:

thanks, yeah I have a feeling they'll want my money, so will let me pay privately.  Hopefully it isn't for too long

Privately, or via your state's healthcare exchange. Both are viable options.

[stephanie918 46]

2 minutes ago, geowrian said:

Privately, or via your state's healthcare exchange. Both are viable options.

do you happen to know if there's much difference in price when going via the exchange or with private companies?

[geowrian 22,337]

1 minute ago, stephanie918 said:

do you happen to know if there's much difference in price when going via the exchange or with private companies?

That would vary heavily by state, personal circumstances, coverage levels, etc. Sorry, but it's not something that has a generic answer.