{"id":1003,"date":"2014-03-19T11:37:50","date_gmt":"2014-03-19T15:37:50","guid":{"rendered":"https:\/\/peakinsuranceadvisors.com\/?p=1003"},"modified":"2019-06-10T12:32:49","modified_gmt":"2019-06-10T16:32:49","slug":"dont-miss-individual-health-insurance-open-enrollment-final-2-weeks-on-the-new-york-state-of-health","status":"publish","type":"post","link":"https:\/\/peakinsuranceadvisors.com\/dont-miss-individual-health-insurance-open-enrollment-final-2-weeks-on-the-new-york-state-of-health\/","title":{"rendered":"DON’T MISS INDIVIDUAL HEALTH INSURANCE OPEN ENROLLMENT"},"content":{"rendered":"

The open enrollment period cutoff date for individual health insurance in New York State both on and off exchange is 3\/31\/14.<\/span><\/strong><\/h1>\n

Come 4\/1\/14, individuals will not be able to obtain or alter their current insurance until Nov 15th<\/sup> for a 1\/1\/15 change date.<\/p>\n

Any enrollment submitted from now until 3\/31\/14 will have a 5\/1\/14 effective date.<\/p>\n

The only way to enroll or change individual health insurance after the deadline is to qualify for a Special Enrollment Period<\/span><\/b> through one or more criterion.<\/p>\n

“<\/span>We translated it from “legalese” so it’s easier to read, but feel free to read the law verbatim here: Title 45, Subtitle A, Subchapter B, Part 155, Subpart E, Section 155.420<\/a><\/p>\n

There are 9 distinct events that can generate a SEP:<\/strong><\/span><\/p>\n

1. No-fault loss of Minimum Essential Coverage (Employer offered, Medicaid, or Chip)<\/p>\n

2. Gaining a dependent through birth\/ marriage\/ adoption.<\/p>\n

3. Gaining status as a citizen\/ foreign national\/ lawfully present alien.<\/p>\n

4. You are a qualified individual who experienced an enrollment issue (subject to review, and can\u2019t be the insured\u2019s fault).<\/p>\n

5. Change in income that makes an individual NEWLY eligible for subsidy, or a change in Cost Sharing Reductions (CSR) (specifically, a change in the amount of subsidy doesn’t count).<\/p>\n

6. A permanent move of residence that offers new plan options.<\/p>\n

7. Adequately prove to the exchange that the Insurer \u201csubstantially violated a material provision of it\u2019s contract\u201d.<\/p>\n

8. Individual is an Indian (Native American, with government approved proof).<\/p>\n

9. \u201cOther exceptional circumstances, as determined by the Exchange or HHS\u201d (I.E. a child with cancer will die if the plan can\u2019t be switched).“<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The open enrollment period cutoff date for individual health insurance in New York State both on and off exchange is 3\/31\/14. Come 4\/1\/14, individuals will not be able to obtain or alter their current insurance until Nov 15th for a 1\/1\/15 change date. Any enrollment submitted from now until 3\/31\/14 will have a 5\/1\/14 effective […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"mc4wp_mailchimp_campaign":[],"footnotes":""},"categories":[339,1679],"tags":[21,40,43,23,26,16,41,46,33],"class_list":["post-1003","post","type-post","status-publish","format-standard","hentry","category-small-business-health-insurance","category-small-business-health-insurance-ny","tag-health-insurance","tag-individual-health-insurance","tag-insurance-exchange","tag-insurance-premiums","tag-medford-ny","tag-new-york-state-of-health","tag-obamacare","tag-state-of-health","tag-suffolk-county"],"yoast_head":"\nIndividual Health Insurance Open Enrollment NY State of Health<\/title>\n<meta name=\"description\" content=\"DON'T MISS INDIVIDUAL HEALTH INSURANCE OPEN ENROLLMENT Blog Post from Peak Advisors, Inc.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/peakinsuranceadvisors.com\/dont-miss-individual-health-insurance-open-enrollment-final-2-weeks-on-the-new-york-state-of-health\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DON'T MISS INDIVIDUAL HEALTH INSURANCE OPEN ENROLLMENT\" \/>\n<meta property=\"og:description\" content=\"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/peakinsuranceadvisors.com\/dont-miss-individual-health-insurance-open-enrollment-final-2-weeks-on-the-new-york-state-of-health\/\" \/>\n<meta property=\"og:site_name\" content=\"New York Health Insurance - 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