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Insurance · General

What is the ACA 'open enrollment period'?

Correct answer

The specific annual window during which individuals can enrol in or change health insurance plans through the ACA marketplace without a qualifying life event

  1. A A period when anyone can get a job in insurance
  2. B The specific annual window during which individuals can enrol in or change health insurance plans through the ACA marketplace without a qualifying life event
  3. C A time when deductibles reset
  4. D The period for renewing commercial health plans

Why this is the answer

Open Enrollment Period (OEP) for ACA marketplace plans runs November 1 through January 15 in most states (some state-based marketplaces have slightly different dates). Outside of OEP, individuals can only enrol or make changes if they have a Special Enrollment Period (SEP) triggered by a qualifying life event: losing job-based coverage; marriage or divorce; birth or adoption of a child; moving to a new state; gaining citizenship. Without an SEP, applicants must wait for the next OEP.
Source: Health Insurance Exam, ACA Open Enrollment

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