If you need health insurance that covers preexisting conditions, you have until Sunday February 22, 2015 at 11:59 p.m. to apply for health insurance with Blue Cross Blue Shield on or off the exchange (Healthcare gov). After that, you will be unable to purchase health insurance again unless you have filed your 2014 taxes and can prove that you are subject to the tax for not buying health insurance. In this case, you will have a 45 day window from March 15, 2015 to April 30, 2015 to get health insurance again. After that, you can not get health insurance that covers preexisting conditions again until 2016 without experiencing a ‘Qualifying Life Event‘. If you miss these Special Enrollment dates and do not experience a Qualifying Life Event you can purchase non renewable Short-Term or Temporary health insurance that does not cover preexisting conditions any time throughout the year.

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