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!
You can't switch plans outside of open enrollment unless you have a qualifying life event that qualifies you for special enrollment. Qualifying life events include moving (in or out of state), you can see a list of other qualifying life events here.
Make sure to enroll up to 30 days before the qualifying life event to have coverage that starts on or close to the date the old coverage ends to avoid gaps in coverage. Make sure to cancel your old plan due to moving and not let your old plan end due to non-payment. Letting a plan end due to non-payment may prevent you from qualifying for special enrollment.