Buying Insurance after March 31, 2014

It's says the open enrollment period is through March 31, 2014.  I have insurance through my employer until June 30, 2014 after that I lose my employee insurance.  Can I purchase Obamacare in June to be effective July 1, 2014?


Hi kjbrad55,

If your insurance company cancels your plan, it must send you a notice within 90 days of cancellation.  It also must do the following:


*Offer you the chance to buy any of the company's plans available to you in 2014

*Tell you about your option of using the Marketplace to shop for coverage

You can also shop for plans outside the Marketplace.  This is a good option if you don't qualify for lower costs based on your income.  If you do qualify for lower costs, you can only get those savings if you enroll through the Marketplace.


I hope the information above answered your question.  Thank you!




    Losing a health plan, such as one offered through an employer, results in what is called a "qualifying event".  This grants you a "Special Enrollment Right" to enroll on coverage through a spouse's employer's plan or through the marketplace.  In addition to a termination of employment, loss of coverage due to a reduction of hours, marriage, birth of a child, adoption of a child, etc. are all qualifying events that allow a special enrollment right.
    • Additionally, you will need to apply for coverage before June 15th in order to obtain a July 1, 2014 effective date.  You will also need to apply within 31 days of the date in which you lost your group sponsored (employer's plan) coverage.

    I think everyone should have insurance coverage.


      There are many options available on the federal exchange and state exchanges.  You can also find Affordable Care Act (ACA) compliant plans in the private market if you don't qualify for a subsidy.

      One good source is the Health Insurance Marketplace at or ehealthinsurance.

      • So unemployed gets exemption from penalties but still can't obtain health care.  What was the point of this again ?

      You don't purchase "Obamacare", you purchase insurance from an insurance company. 

      "Obamacare" simply legally prevents insurance companies from excluding you from coverage, legally requires that insurance companies spend their money on actual healthcare (rather than advertising and excessive executive perks), and legally requires that, in exchange for forcing insurance companies to cover everyone and in order to keep the system solvent, you must have health insurance or pay a penalty.


        Hardship Exemption Update: If you had your plan canceled in 2014 due to the Affordable Care Act you now qualify for a hardship exemption in 2014. That means you won't have to pay the fee if you decide to go without insurance and will qualify for low premium, high out-of-pocket catastrophic plans on your State's health insurance marketplace.

        If you belong to any of the groups listed below you are exempt from ObamaCare's mandate to "obtain minimum essential coverage" (i.e. buy insurance):
        • Unaffordable coverage options Exemption. People who would have to pay more than 8 percent of their household income for health insurance
        • No filing requirement. People with incomes below the threshold required for filing taxes (in 2012, $9,750 for a single person and $27,100 for a married couple with two children)
        • Hardship. The Health Insurance Marketplace, also known as the Affordable Insurance Exchange, has certified that you have suffered a hardship that makes you unable to obtain coverage. (please note that if your plan was canceled due to the Affordable Care Act in 2013 you qualify for a hardship exemption in 2014 and are not thus not required to obtain coverage).
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