Quote:
Originally Posted by Robbie
I've had health insurance since 2002.
I simply walked into Blue Cross/Blue Shield and bought it. No "enrollment period" that I knew of.
And when I used State Farm (14 years ago) and now Farmers (starting 2008) to insure my homes...both companies tried to get me to switch over all my insurance.
Is this something that is new? I always used to see health insurance companies advertising all the time. And I never heard the ads say: "But you can only give us your money during a certain time period."
Anyway...it seems to go against the idea of getting everyone insured, and creates a window of time where some people will be uninsured. Kinda dumb.
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Some of it may be what you are buying into. For example, since becoming self-employed in 1999 I have bought insurance whenever I wanted and had no enrollment period. However, in the past when I had jobs that offered health insurance I usually could enroll in it when I was a new hire, but I couldn't make changes to it or add people to my policy until the annual open enrollment period. I imagine those companies had some kind of group policy that had specific enrollment dates.