Question: We are all hearing that for IFP applicants they must enroll during the annual open enrollment unless they have a qualifying event. In a meeting today, and maybe it was just the way it was phrased, a representative of Covered California made it sound like if someone wanted to apply outside the open enrollment, without a qualifying event, they wouldn’t be ‘guaranteed issue.’ SO, would someone potentially be be able to enroll outside of OE, subject to medical underwriting? Thanks!
Answer: No. There will be no more non-guaranteed issue or underwriting after January 1, 2014. The only way to enroll outside of open enrollment is to have a qualifying event.