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The "open enrollment period" applies to the ACA, aka Obamacare. There is special enrollment where if u lost coverage, got married, death in family, etc that can qualify you for a special enrollment.
There is also short term medical plans and also plans that are not ACA approved that you can buy at any time.
So in order to get a compliant plan and not be fined whether on or off exchange you are limited to open enrollment
Does the open enrollment period apply to all individual health insurance or just marketplace plans? I assume it is all plans and unless they have an SEP they are stuck? Am I right?
I assume it is all plans and unless they have an SEP they are stuck? Am I right?
"Yes & No".
Open enrollment ended 1.31.16.
Last week, I had a person call me about getting health insurance. I told them open enrollment ended. Without a "life event", they cant apply for MEC until next fall. No life event for them
They called the state exch. They got a 3.01.16 effective dates.
I asked how they were able to enroll outside the open enrollment?? They didn't know. The person at the state exch "took care of it".
I guess there is one set of rules for us nasty agents, and, another set of rules for state exch ee's.
Or, there is a double secret "life Event" code I'm not aware of??