Can I Switch Plans Outside of Open Enrollment?

Researched by Greg Published - July 30, 2015
Last Updated - July 30, 2015

I have been insured for all of 2015 so far. However, I am EXTREMELY dissatisfied with my current provider (Horizon Blue Cross Blue Shield of NJ), and want to change to a plan purchased through Obamacare. Would I qualify for a special enrollment period in this situation?

The other thing is, there is a good chance that I will be moving (from New Jersey to North Carolina) in September. If I keep my current insurance until I move, would I qualify for a special enrollment period after I arrive in North Carolina?

Thanks so much in advance for your response!

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Leslie Popefka

I have obamacare via Rhode Island, but I just moved to NJ on June 18. I’d like to know how to apply here in NJ before I drop RI but also, I am job hunting for September (schools) and there is no guarantee I won’t switch states if I landed a job. Probably not but maybe. How should I go about this? I must be covered as I am ill and need to get set up with another doctor no more than two months out. I am very low income and have no co pays. If nothing else, please tell me how to apply in NJ and how long it could take, and if I have to cancel RI altogether before applying or can I hold onto it until NJ comes through.

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