The next ACA Open Enrollment period begins on November 1, 2015 and will continue through January 31, 2016. During this annual Open Enrollment period you can purchase health insurance on a guaranteed issue basis (no preexisting conditions) without a Qualifying Life Event. Policies purchased after November 1, 2015 will become effective January 1, 2016.
After Open Enrollment is over you will not be able to purchase health insurance again until November of 2016 without experiencing a Qualifying Life Event and as such qualify for a Special Enrollment period. Below are examples:
1.) You move to a new area that offers you different plans,
or isn’t covered by your HMO or PPO network.
2.) You get married.
3.) You have or adopt a child.
4.) You lose other health coverage due to job loss, a decrease in work hours,
end of COBRA coverage or other reasons.
5.) You become a U.S. citizen.
6.) Your income changes, or some other event changes your income or household status.
7.) You can prove that your health insurance company violated its contract with you.
8.) You are no longer covered on a family member’s policy because you turned 26,
you have legally separated from or divorced your spouse,
or the policy holder has passed away.
9.) You become a member of an American Indian and Alaska Native tribe.
10.) You experience an error or other complication when trying to enroll
11.) You experience other events that qualify for special enrollment.
12.) 2015 Special Enrollment guide from Blue Cross Blue Shield of Illinois.
How does Special Enrollment work?
In most cases, you have 60 days after the Qualifying Life Event to enroll in or change
your health plan. If you have insurance through your job, you may only have 30 days
to enroll. If you qualify for Special Enrollment click the logo below to compare plans
and find the right health insurance plan for you and your family.