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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

IFP Enrollment Outside of Open Enrollment?

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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.

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In this first year, open enrollment runs from October 1, 2013 to March 31, 2014. After than, open enrollment will probably run only from October 15 to December 7 — coinciding with the Medicare Advantage open enrollment period.

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