• Having a baby
  • Adopting a child 
  • Fostering a child
  • Getting married
  • Getting divorced
  • Losing your health coverage
  • Entering or leaving incarceration
  • Experiencing a death

If you have experienced a qualifying life event recently, call us to see if we can get you covered or improve your plan. You might qualify for additional subsidies.

  • Changing jobs & losing insurance
  • Being denied Medicaid or Children's Health Insurance Program (CHIP)
  • Moving outside of your insurance plan's service area
  • ​Gaining citizenship
  • ​Legally separating & lost insurance 

We are licensed and trained in all areas of the Affordable Care Act (ACA) and offer enrollment assistance or if you enrolled yourself and would like some guidance please feel free to contact us as well at 336-766-1885.

In addition to finding you the best coverage from the Marketplace, McCall Insurance Services provides personalized claim assistance and can handle updates and makes changes to your plan outside of the open enrollment period. The Special Election Period (SEP) is created by a life change due to a qualifying life event (life changing).  If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a plan.  If you miss that window, you have to wait until the next Open Enrollment Period to apply.

A qualifying life event can be any of the following:

You'll pay whichever is higher of the following 

Per person per year:

  • $695 per adult

  • $347.50 per child under 18

  • Maximum: $2,085 per household

You'll pay whichever is higher of the following 

Percentage of Income:

  • 2.5% of your yearly household income

  • Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace



Call us today and we can help select a plan that suits your needs and your wallet.

We look forward to helping you!

What if I decline to get health insurance coverage?

If you don't have health insurance coverage that qualifies as Minimum Essential Coverage under the Affordable Care Act, you must either pay a penalty/fee or apply for an exemption from the fee. You will pay the fee on the federal income tax return you file for the year that you don't have coverage. The penalty/fee increases every year with inflation.  

There are now Annual Open Enrollment Periods ("AEP") for Guaranteed-Issue individual health insurance.  The Annual Open Enrollment Period ("AEP") for 2019 is November 1, 2018 to December 15, 2018.*  Outside of the AEP, you may qualify for a Special Enrollment Period ("SEP") for Guaranteed-Issue individual health insurance if you meet certain circumstances.  If you miss the AEP and don't otherwise qualify for a SEP, please reach out to us as there are still coverage options available to you including short term health insurance!

*Note: These dates are subject to change

Affordable Care Act (ACA)