Question: After having so many problems with Blue Shield through CovCA, I have decided to just go direct with BS during open enrollment for 1/1/2015. Can I just apply directly to BS now and when confirmed I have coverage starting 1/1/15- terminate participation in CovCA/BS eff 12/31/14?
Answer: Yes, you can do that, but the carriers are not immune from screw-ups themselves. The safest way not to create problems for yourself is to do nothing. That way your coverage will renew without changes.