QUESTION

Why can’t I buy a plan when I need it? Why do I have to wait for the open enrollment period?

Individuals with no coverage | Open and Special Enrollment Periods |
ANSWER

If everyone were allowed to wait until they were sick to buy coverage, premiums would be very expensive. An open enrollment period encourages healthy people to buy a plan to protect themselves from unanticipated events during the year. Health insurers need a mix of healthy and sick people to make premiums fair for everyone.

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues