Originally Posted by crockett

Have you ever had a job which you bought your insurance though their provider? It is an "extremely" common thing that there is an open enrollment period for 2 months then you can not make any changes until the following year.

The only exceptions is new hires whom have to wait 90 days before they can sign up and adding a new member to your family.. ie spouse or child.

This is a very very common and standard way of doing things in the insurance world.