Open or Not Open (health enrollment) / UPromise INFO

Can I get health insurance?

I'm still helping clients understand WHETHER OR NOT they can get health insurance, now that OPEN ENROLLMENT has closed. The health insurance companies are telling everyone 'no': Closed until November for 2015 enrollments.

But the truth is quite different. It turns out there are quite a few EXCEPTIONS. One of those exceptions is whether your income has changed. If you are Native American, you can change plans EVERY MONTH! So the rules are different depending on who you are, and whether you belong to a tribe.

That's because the geniuses at the federal government thought that the best way to get MORE people to buy MORE insurance was to RESTRICT WHEN it can be purchased. That's right; only 6 weeks out of the year. Unless you have one of several exceptions. Confused? You're not alone.

Businesses, of course, can buy health insurance any day of the year (it seems like only a few months ago that consumers could buy health insurance year-round too). The limitation is only on INDIVIDUALs. Businesses also get a delay on the mandate to buy insurance; individuals do not get a delay.

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