Not qualified for a Special Enrollment Period

I'm really unsure what my options are right now. I signed up (or more, renewed) during the special enrollment period, but didn't realize my first payment did not go through correctly. CGHC always sends you letters about your benefits (like, all the goddamn time) and those letters never stopped arriving, so I didn't really question the situation– but it turns out, all those letters were just telling me how I had this or that medical expense and they aren't covering any of it! No doctor's office or pharmacy was like "hey… This actually isn't coming back as active??" so after a while I thought "Gosh, these bills seem kind of high, is something up??" and finally opened one of those letters. Turns out I am uninsured!

But if you lose insurance because you fail to fulfill the first payment, you don't qualify for a special enrollment period. And I'm a child of Obamacare, I haven't ever gotten insurance outside of the Marketplace. Every Google search I make mentions private insurance also having enrollment periods or turns up sites that claim they'll help you compare (but are obviously just looking to sell your number out, someone on a scam review site got 50 calls in under 24 hours) or just information over and over about Marketplace QLEs. I don't know what I'm doing and I have so many prescriptions and specialist appointments that there's no way I'm going to keep up if I don't do something about this soon. I've already had to bail on my endocrinologist for now, though I know I'm overdue on labwork.

What do I do? What's a reliable avenue for private insurance?? Is it true that they also limit to the same OEP and my options are basically just low-coverage, short-term health plans or eat shit??? Help.

submitted by /u/SimpleFolklore
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