Healthcare enrollment period, times, when can you enroll in healthcare

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When Can You Apply for A QHP (Qualified Health Plan) either on the Healthcare Exchange or off the Exchange?

Open enrollment for 2014 ended on March 31, 2014.

Every year after will have an enrollment period of November 15 through February 15 of the following year. (Example; Enrollment for an effective date in year 2015 is 11.15.2014 thru 02.15.2015).

All other dates require a Special Enrollment Period (SEP) to enroll. These SEP's must fall into one of the following categories which are Qualifying Life Events (QLE);

  1. Loss of Employer Health Coverage
  2. Marriage or Divorce
  3. Birth, adoption, foster care or placement for adoption
  4. Gaining U.S. citizenship or qualifying immigration status
  5. A permanent move to a new area that offers different Health Plan options
  6. A change in income or household status that affects eligibility for tax credits or cost-sharing reductions
  7. Loss of other health coverage (due to job loss, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified **
  8. You are enrolled in a non-qualifying employer coverage plan (meaning the plan does not meet minimum QHP requirements)
  9. Enrollment into a QHP was an unintentional error - based on incorrect information from the Health Insurance Marketplace.
  10. The Plan in which a member enrolled substantially violated a provision of the contract
  11. American Indians and Alaskan Natives may enroll in or change QHP's once a month.

**Voluntarily cancelling other health insurance and being terminated for not paying premiums will not be considered as loss of coverage. Losing a individual plan that does not carry minimum essential coverage during a non-enrollment period will not be considered as loss of coverage.