Applying for Health Insurance Without an SSN


If you don’t have a social security number, but need health insurance, you’re probably asking yourself, What now?

Before you panic that you’ll have to go without insurance, rest easy: Most policies outside of the marketplace don’t require an SSN, and on top of that, Latorre Insurance is skilled at providing policies for clients just like you. We’ve helped individuals with various challenges, such as change of immigration status, change of address, loss of employer coverage and more.

Let’s revisit the question we asked earlier—What now?

  1. Put your legal hat on. In most states, although they might ask for it, insurance companies do not—and cannot—require an SSN. Find out what the law is in your state, and call us to learn more about what the law is in North Carolina!
  2. Learn more about how to apply. You may be able to use your Individual Taxpayer Identification Number (ITIN) to apply for health insurance in place of the SSN. Most insurance plans are focused more on your current residence than your SSN.
  3. Find out if you qualify. Before you can apply for health insurance, it might help to understand how healthcare reform can work for you. For instance, if you are an immigrant applying through the marketplace, certain immigration statuses might qualify for coverage. Learn more here.
  4. Visit Latorre Insurance. The most important step to take when applying for health insurance with an SSN is to call your trusted agents at Latorre Insurance. Or, better yet, visit the office nearest you for an in-person conversation!

If you are not eligible to get full major medical coverage before enrollment, there are options available that will provide coverage for new medical issues that come up. These plans can carry you to January 1, 2017. Just remember: These plans do have exclusions, so be sure to read your policy carefully to ensure that you fully understand what you’re getting!

Do you have more questions? Don’t hesitate to contact us today, or visit us on Facebook for frequent updates and tips.