We also agree that consumers who experience these qualifying events should have access to the
same special enrollment periods, regardless of the State that they live in.
Most special enrollment periods extend 60 days from the date of the qualifying life event, so it's important to make this a priority, even though your deadline may be delayed.
People who enroll in exchange plans outside of open enrollment will have to provide proof of a qualifying event, and eligibility
for special enrollment periods will be restricted in some cases.
Note that although qualifying events and
special enrollment periods in the individual market are similar to those that have long existed for employer - sponsored plans, they are not identical.
They are very similar to the qualifying events that
trigger special enrollment periods for employer - sponsored insurance and Medicare coverage, but there are some differences.
For 2016 coverage, only Prominence continued to pay broker commissions on and off - exchange for enrollments outside of open enrollment (ie,
during special enrollment periods).
Prior to 2014, qualifying events and
special enrollment periods applied in the group market (ie, job - based insurance) and for Medicare, but not for the individual market.
The individual market didn't
use special enrollment periods (or open enrollment periods) prior to 2014 because people could enroll anytime they wanted... but the trade - off was that in all but a few states, eligibility for coverage in the individual market depended on your medical history.
The SHOP must ensure that issuers offering QHPs through the SHOP
provide special enrollment periods consistent with the section, during which certain qualified employees or dependents of qualified employees may enroll in QHPs and enrollees may change QHPs.
In an interim final rule, published in the May 11, 2016 Federal Register (81 FR 29146), we made amendments to the parameters of
certain special enrollment periods (2016 Interim Final Rule).
Comment: We received one comment supporting the proposal that there not be a SHOP
special enrollment period when a qualified employee or dependent of a qualified employee is enrolled in a non-calendar year group health plan or individual health insurance coverage.
Although § 147.104 (b)(2)(i) is intended to specify which
special enrollment periods offered through the Exchange must also be offered by health insurance issuers with respect to coverage offered outside of an Exchange, the paragraph as currently written could be read to apply the exceptions to any coverage offered by a health insurance issuer in the individual market.
CMS is also
creating special enrollment periods for people who live in hurricane areas who want to change their Medicare health or prescription drug plans or make changes to their 2017 federal health exchange plan.
Truthfully, the majority of carriers offering individual and family plans during Open Enrollment and for
Special Enrollment Periods do not pay commission.
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).
Response: We are not finalizing new qualifying events, eliminating current qualifying events, or changing the scope of current qualifying events for
special enrollment periods at this time, but are continuing to study this issue.
Response: We believe that the current
special enrollment periods requirements appropriately account for changes in circumstances that necessitate when individuals would need to select a new or different qualified health plan and balance these needs with the administrative burdens of enrollment changes for issuers.
HHS denied the request for a blanket extension, but MNsure used their own authority on January 28 to grant a one -
week special enrollment period (February 1 to February 8) due to exceptional circumstances.