A.C.A. Plans (Special Election Period)


woman-613309_1280The Annual Enrollment Period for 2015 ended on February 15.  If you did not enroll in an approved, “Obamacare” compliant plan by then, your only option for health insurance, for 2015, is if you are able to pass the medical underwriting for Short Term Health Insurance.

However, if you did enroll in an “Obamacare” compliant plan before the deadline, you not only got approved health insurance, you preserved your right to make changes to your health insurance throughout the year if your circumstances change.

If you have experienced any of the life events below, you can make changes to the “Obamacare” approved portion of your health insurance within 60 days of the event happening.

Slide1You are allowed to make changes to, and combine your “Obamacare” compliant health insurance within 60 days of your wedding.



You are allowed to make changes to your “Obamacare” compliant health insurance within 60 days of a birth or adoption.



You are allowed to make changes to your “Obamacare” compliant health insurance within 60 days of your final divorce decree.


Slide4You are allowed to make changes to your “Obamacare” compliant health insurance within 60 days of losing group health insurance at a former employer.  This option is the same whether you were fired or resigned.

Slide5You are allowed to make changes to your “Obamacare” compliant health insurance if you lose coverage, in the middle of the year, through no fault of your own.  The change must be done within 60 days.

Slide6You are allowed to make changes to your “Obamacare” compliant health insurance when you are no longer eligible to stay on your parent’s policy.



You are allowed to make changes to your “Obamacare” compliant health insurance if the primary insured dies during the year.



You are allowed to make changes to your “Obamacare” compliant plan within 60 days of your permanent move.


Slide10You are allow to make changes to your “Obamacare” compliant plan within 60 days of an older compliant plan’s renewal.


CMS is allowed to declare a Special Election Period if they feel it is in the best interests of the government.



Blue Cross Blue Shield of Texas
Blue Cross Blue Shield of Texas
Aetna 1
UH 1 Health
United Health One


64 thoughts on “A.C.A. Plans (Special Election Period)

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  13. Brent, I agree with you. Unfortunately, I have very little control over what people say. Some people make some good points and others are obviously spammers. I have some software that blocks obvious spam but some, more “creative” comments get through.

    To answer your question, I do not post on any other site unless I am specifically asked to comment on a specific topic. On the side-bar is a banner with an option for people who want to understand insurance matters better to subscribe to the weekly email that I send to my clients. There is also an option to subscribe to my blog to get an email notification each time I post on this blog.

    I do have a business page on Facebook. I use that as a place to periodically share some materials I am studying. If you want to “Like” that, the address is https://www.facebook.com/theinsurancebarn.

    I do not actively participate on Twitter. It appears to be populated with millions of people talking but few listening. I prefer to listen and learn facts before I write anything. I feel that my clients deserve facts above opinion (although I realize that my writing tends to show my opinions on things.)

    I believe that the thing that separates me from most of the other insurance agents on the web is that they are looking to sell something. I prefer to use the web to educate people with facts so they can make informed decisions when they buy insurance.

    I do not do a great deal on Linked-In since my market is primarily to consumers rather than businesses, however, I do have a profile on Linked-In. With the anticipated changes and delays in Obamacare for small businesses, I really should consider more activity on Linked-In later this year but I only have so much time.

  14. Thank you for the kind words. I encourage you to click on the “Weekly Email” banner on the left of the site in order to keep informed on the changes to our national health insurance program that go into effect during the last quarter of this year.

  15. I appreciate you visiting my site and hope you return. I do understand your concerns and appreciate the frustration. However, my blog is hosted by WordPress.com. Those annoying emails are coming from them. The only suggestion that I can make is for you to block all emails you get from this site through your email service the next time something annoying comes across.

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