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View Diary: ACA Procrastinators: Don't Wait Until 2014 (30 comments)

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  •  This is a new on for me: (2+ / 0-)
    Recommended by:
    annecros, ZenTrainer
    The March 31st extension is not automatic, at least in my state with my insurance company. So if you or anyone you know has been putting off making a choice on a new plan, and believe that President Obama's extension has given 3 more months to think about it, I would urge you to verify that you are in good stead, by EOD tomorrow, 31 December.
    Your insurer must be pushing a last ditch non-ACA compliant plan good for one more year. I didn't know there were deadlines on those things.

    Everyone else in the US individual market can change their plan, their insurer, their options, or anything else they want to change -- as often as they like -- between now and March 31st.

    Their new selection(s) will go into effect February 1, March 1, April 1, or May 1 -- depending on the date they make their change.

    •  I don't believe you can change plans (2+ / 0-)
      Recommended by:
      Pluto, MKSinSA

      once you've already made a payment (even if it comes via an ACH transfer you've already set up with an insurance company for a pre-ACA plan). Of course, if you have a major life change (marriage, divorce, new child, job change, etc.), you should be able to switch, but not otherwise.

      •  After March 31st (0+ / 0-)

        …you can change plans or join, only with a life-changing event. That's part of the written law. That's right.

        I am not familiar with any written prohibitions in effect prior for March 31st -- during open enrollment.

        Could be so, but I have not seen anything to that effect. In fact, I am already planning another change in January -- for no good reason except because I can.

        •  To clarify: (3+ / 0-)
          Recommended by:
          cv lurking gf, Catte Nappe, Creosote
          you can change plans or join, only with a life-changing event [except during the Open Enrollment period each year]. That's part of the written law. [bracketed information added]
          ACA is just like most other insurance plans.  There is an open enrollment period each year during which you can make changes to your carrier, coverage levels, etc.

          Another clarification to the diarist's diary: the first open enrollment period always extended to March 31.  That's the way the law was written.

          The past 50 years we: -Ended Jim Crow. -Enacted the Voting Rights Act. -Attained reproductive rights (contraceptive & abortion). -Moved toward pay equity. Republicans want to take our country back. I WON'T GO BACK!

          by petesmom on Tue Dec 31, 2013 at 05:39:16 AM PST

          [ Parent ]

    •  You can't change plans once you have signed up and (0+ / 0-)

      paid...not for a year.

      •  Gosh, I'd like to see a link that says (1+ / 0-)
        Recommended by:

        …I can't change plans as much as I like until March 31, 2014.

        Because I'm doin' it.

      •  This isn't true. (1+ / 0-)
        Recommended by:

        Open enrollment period is open enrollment. Once the open enrollment period ends, then it is true that you can't drop your insurance and purchase  a newone.

        •  I plan to change, for a very good (1+ / 0-)
          Recommended by:
          Catte Nappe

          reason. (The plan for my wife and son.)

          I applied for a plan through Cover Oregon on December 4, which was the stated deadline for applying for Jan 1 coverage. (This was an application, not for a specific plan, but for one meeting a broader description of our demographic.)

          I knew at the time that the application process was backlogged, and assumed they would have trouble processing all the applications. For this reason, we chose and payed for, direct through the insurer, a stopgap plan, similar in many ways to the plan we actually want.  (Silver, not Gold. Higher co-pays, OOP). My strategy is to get covered under the stopgap plan, then enroll in the desired Gold plan when Cover Oregon gets around to processing our application. (The Gold plan is available only through the exchange. The Silver can be purchased direct.)

          Sure enough, a few days later, CO announced that if you need Jan 1 coverage and hadn't heard from them by a certain date in December, you should get a plan direct from an insurer.

          As I suspected, we have still not heard back from Cover Oregon about our original application. We want the Gold plan, and we will badger them to make the switch. In the meantime, thankfully, we are covered under the Silver plan.

          I can't help it. I love the state of Texas. It's a harmless perversion. - Molly Ivins

          by rsmpdx on Tue Dec 31, 2013 at 12:49:24 PM PST

          [ Parent ]

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