Question: If an individual applies for coverage after the open enrollment period (Jan. 1 to Mar. 31st) and does not have a qualifying event, would that application be subject to medical underwriting? Or would that individual have to wait to apply in the next open enrollment period?
Answer: As a general rule, those individuals who miss the initial or any subsequent annual open enrollment period must wait for the next open enrollment period to enroll. Under no circumstances will medical underwriting be used after January, 2014.