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You can't sign up for health insurance in the middle of the year just to get them to pay for surgery.
The next open enrollment is in the fall for coverage that starts Jan 1.
You could buy a temporary policy but it wouldn't cover your pre-existing condition, that's why they want everyone signed up at one time.
I don't know how much it costs, but talk to the doctor and hospital and see if you can get the costs reduced to something you can afford. It's possible that paying cash/setting up a payment plan would be cheaper than premiums plus the huge deductibles and co-pays that people have.
Another option is getting a job with insurance, waiting until it is in force, then getting the surgery.
I have 3 fibroid tumors I would like to get surgically removed.
I currently have no health insurance.
What are my options for affordable health insurance?
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Perhaps now you may begin to understand the problem, of which you are a part.
Health insurance is a puzzle. Frinstance, Medicare has several parts. I signed up for one but not the other, thinking my retiree benefit would cover hospitalization. Fortunately I was told I needed to sign up for the other half of Medicare just before my gall bladder gave out. My premiums for the rest of my life will be considerably higher than if I had signed up at the proper time.
You may end up taking out a loan for your fibroids.
"You can pay me now or you can pay me later"
Do not sign up for an off exchange Plan. They still have pre-existing conditions and will not pay for your surgery as it is pre-existing.
Your options are 1) to sign up during open enrollment for an exchange plan, 2) get coverage through an employer or 3) pay for the surgery your self out of pocket which could range between 9k to 40k depending on type of surgery they do.
Insurance is for future unknown problems, not to pay for services you need now. One reason ACA (Obamacare) premiums have gone up was because the feds and exchange folks were a bit too generous in allowing enrollment via Special Enrollment Periods (SEP), so that folks were enrolling via SEP just before they needed expensive treatment, usually surgery. After the surgery and recovery, they'd stop paying the premium. Insurers had huge losses, being paid off by higher premiums for people that played by the rules.
Your best bet is probably to wait for the next open enrollment period.
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