A family with 3 kids wants to buy health insurance.
But... and it's a big but... they waited too long. Yes, friends, they decided to get serious AFTER January 31, 2017. No more OPEN ENROLLMENT effective dates until 2018!
I tried calling a few carriers. NONE of them will entertain issuing a policy until next year.
They could get an interim policy, but still be exposed to penalties and no advance premium tax credit (APTC) to reduce the cost.
I can understand why they can't get APTC.
You snooze, you lose. BUT, to not be able to purchase ANY health insurance until next year?!?!
How did we end up in a place where health insurers refuse to issue policies 11 months out of the year. Even to healthy people.
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