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Learn about when open enrollment for health insurance plans starts.
For people who do not have employer-provided health insurance, Open Enrollment is the period every year where you can shop for and purchase health insurance on the state, federal, or private marketplaces. Open Enrollment for 2019 starts on November 1, 2018 and ends on December 15, 2018.
You cannot purchase health insurance outside of Open Enrollment unless you qualify for a Special Enrollment Period. You may qualify for a Special Enrollment Period if you changed jobs, got married or divorced, had a child, moved your residence, or turned 26.
The Open Enrollment Period and Special Enrollment Periods exist in order to enforce the health insurance mandate. Because health insurance companies must cover people regardless of preexisting medical conditions, the Affordable Care Act mandates that everyone, even if they are healthy, buy health insurance. Premiums from healthier customers who do not frequently use health services help offset the cost of covering individuals who do frequently use health services.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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