Why can't I change my health insurance plan?

Individual policies have always been month to month contracts. Group policies have had open enrollment periods since 1973 because of IRS regulations. However, the annual contract is only with the employer.

The reason you cannot change policies now is because of the Affordable Care Act, otherwise known as "0bamacare". Starting January 1, 2014, you can only get a new policy during the open enrollment periods. This is because health insurance is now guaranteed issue, meaning you cannot be declined because of your health as it has been in the past.

The next open enrollment period is supposed to be November 15 2014 through February 15 2015.

Make sure to vote against any politician that has voted for the ACA during the next elections and maybe this can be changed back.

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RE Why can't I change my health insurance plan?

I tried calling my health insurance this morning to change to a better plan (Blue Shield) and they won't let me. Why is this? They aren't the ones paying the monthly payment, copays etc.

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RE Why can't I change my health insurance plan?

I tried calling my health insurance this morning to change to a better plan (Blue Shield) and they won't let me. Why is this? They aren't the ones paying the monthly payment, ...show more

Are you 12-years-old?

Health Insurance policies are (and always HAVE been) 12-month contracts....that's why they have "open-enrollment" periods in the late Fall...

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