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I was just on ehealthinsurance.com to print out health plan prices for our family, and they are saying that open enrollment ends March 31st.
After March 31, you cannot purchase a health insurance plan unless you have a qualifying life event, such as getting married or divorced, having or adopting a child, or moving to a new coverage area.
I thought that the open enrollment period was only for plans on the government "Marketplace."
Is this part of the PPACA rules - that no one can buy health insurance without a life changing event outside the open enrollment period?
I know employer plans have had this requirement, but I don't ever remember seeing this for individual or family plans.
If you miss open enrollment you won't be able to enroll in a marketplace plan again until November 15th, 2014 (open enrollment for 2015) unless you qualify for a special enrollment period.
Please note you can buy insurance outside of the marketplace at anytime or sign up for CHIP and Medicaid up to two months retroactively at anytime if you qualify.
Please note that even though you can obtain insurance outside of open enrollment it does not prevent you for owing the fee for months you don't have insurance.
hummm...I think we will see how this actually plays out---what will end up happening is that say you need to go to the doctor--sign up for a plan for a month, drop the plan the next month...then in 2 more months you need surgery, sign up for a month, have surgery, drop the plan...can't see this happening like it's listed there....
also--from that site "ObamaCareFacts.com is privately owned and is not owned or operated by the US federal or state government" this is not an official government site...
A company termination of your current grandfathered plan during the calendar year is considered an event that will put you in a special enrollment category. Also many of grandfathered plans that renew midyear are changing to terminatr at the end of the year to coinside with the enrollment period.
Check with your insurer/broker.
What happens if you lose your job, and are seeking a new one? Current company medical runs out March 31st?
You have a qualifying life event which allows you to enroll for subsidized insurance after ACA Open Enrollment Period ends.
Explore ACA options for you first - either through your state's market place or, if your state is not running an exchange, through healthcare.gov.
Other alternative is to continue your company's health insurance under COBRA. COBRA is usually VERY expensive, but might be a short-term option until ACA insurance becomes effective May 1.
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