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The annual Open Enrollment Period was put into place to discourage adverse selection which happens when sick people sign up for health insurance and healthy people do not. It greatly skews the amount of financial risk a health plan takes when insuring customers.
We can buy short term plans month to month in 3 month blocks. You would have to re-enroll (and re-qualify based on health) after the 3rd month for another 3 month block. If you need longer term coverage, make sure not to lose a Cobra or Covered California option if available to you.
Most special enrollment periods last 60 days from the date of the qualifying life event. For most qualifying life events, your coverage will start on the first day of the following month after you select a plan.
You qualify for a Special Enrollment Period if youve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.
Qualifying life events are those situations that cause a change in your life that has an effect on your health insurance options or requirements. The IRS states that a qualifying event must have an impact on your insurance needs or change what health insurance plans that you qualify for.

People also ask

Covered Californias open-enrollment period runs through Jan. 31, 2022 unlike the federal deadline, which ended on Jan. 15 for states that use healthcare.gov. Consumers who sign up by Jan.
You may qualify for a 2-month Medicare Special Enrollment Period in the following situations: You move out of your plans service area. Your plan closes, stops serving the area where you live, docHubly reduces its provider network or your plan consistently receives low Medicare star ratings.
Open enrollment is the time of year when everyone can apply for a plan through Covered California. This usually happens from November to January.
A change in your situation like getting married, having a baby, or losing health coverage that can make you eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.
You qualify for a Special Enrollment Period if youve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.

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