We recognize the potential for confusion, as coverage offered through an Exchange is offered by «a health insurance issuer in the individual market,» but this coverage is subject to the special enrollment rule at § 155.420 (d), which is intended to
require special enrollment periods for triggers including those listed in the exceptions in paragraph (b)(2)(i).
Paragraph (b)(3) of this section describes
the required special enrollment period and the date by which coverage must begin.
Not exact matches
Important: Losing individual coverage doesn't qualify for a
Special Enrollment Period if you voluntarily drop coverage, if you lose coverage because you didn't pay your premiums, or if you lose Marketplace coverage because you didn't provide
required documentation when the Marketplace asked for more information.
As a result, the rules are being followed much more closely than they were in previous years, and in most states, anyone enrolling during a
special enrollment period is
required to provide proof of the qualifying event that they experienced
The addition of paragraph (i)
required further amendments to the rule to maintain the availability of the permanent move
special enrollment period for certain other individuals who should continue to be able to access this
special enrollment period without the requirement of being previously enrolled in minimum essential coverage.
Section 1311 (c)(6)(C) of the Affordable Care Act directs the Secretary of HHS to
require an Exchange to provide for
special enrollment periods specified in section 9801 of the Code and other
special enrollment periods under circumstances similar to such
periods under part D of title XVIII of the Act.
Therefore, issuers wishing to participate in such a SHOP would be
required to administer
special enrollment periods.
Several commenters requested that the Exchange
require consumers to submit documentation to either the Exchange or issuers to verify their eligibility for a
special enrollment period.
If the proposed changes are finalized, SHOPs that use the new flexibilities, such as the FF - SHOPs, would no longer have the information
required to determine employer group members» eligibility for
special enrollment periods.
Important: Losing individual coverage doesn't qualify for a
Special Enrollment Period if you voluntarily drop coverage, if you lose coverage because you didn't pay your premiums, or if you lose Marketplace coverage because you didn't provide
required documentation when the Marketplace asked for more information.
In other words, you can get coverage in the exchange with these
special enrollment periods, but if you go directly to a health insurance carrier, they're not
required to accept your
enrollment:
This bill would
require people enrolling through the exchanges outside of open
enrollment (i.e., during a
special enrollment period triggered by a qualifying event) to provide proof of the qualifying event.
All of those bills are aimed at specific provisions of the ACA, or the ways in which the law has been implemented via subsequent regulations (for example, HHS was tasked with establishing the specific requirements and details for
special enrollment periods, and initially opted to use the honor system rather than
requiring proof of qualifying events).