Now that weve passed the important deadline of March 31, 2014 for signing up on the Affordable Care Act health care exchanges, employers are asking questions about options for employees who did not get into the exchange. Such as, is it too late for them to get coverage? Most of the time this question comes from employers with mid-year renewals (that is, renewals that are after March 31) who are thinking about canceling coverage or limiting eligibility and thinking their employees would be barred from getting into the exchange for the remainder of 2014. I have heard this argument made in collective bargaining as well as by unions arguing that employers are legally prevented from terminating coverage mid-year because of the enrollment limitation.
Well, in addition to the various extensions provided to employers, and the expansion of the enrollment period by a few weeks for those who had already started apps, the ACA also contains provisions that allow for enrollment in the exchange throughout the whole year. Theyre calling this the special enrollment period. As explained in the glossary section of the exchange website Healthcare.gov, a special enrollment period is a time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the marketplace, you generally qualify for a special enrollment period of 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage. If you dont have a special enrollment period, you cant buy insurance through the marketplace until the next open enrollment period.
