Do I Have to Wait Until Open Enrollment If I Never Had Coverage?

Do I have to wait for open enrollment if I have never had coverage prior to Obamacare?

Leave a comment

We'll never share your email with anyone else.

1 2 3 4 5

This site uses Akismet to reduce spam. Learn how your comment data is processed.

I worked for my place of employement before and had health ins rhru them. I got a new job in May of 2016 and no longer had old ins but took ins with new employeer. I was laid off in Jan 2017 and no longer have their, or any ins. I came back to old employeer as rehire Jan 13, 2017 My 90 days are coming up next week. My employeer is telling me I have to wait for open enrollment, in July to get ins. They told me all employees can only get health ins during open enrollment in July and only if they had been there 90 days. So if I was hired June 2017 I would have to wait till July 2018 to get coverage. Is this legal, or do they have to offer me ins at my 90 days, no longer then that?


There should be an initial enrollment period for new hires. Generally it is within 30 days of the time of being hired.

The rules are a bit complex, but you shouldn’t have to wait until open enrollment.

This page does a good job of explaining:

ObamaCareFacts is a free informational site. It's privately owned, and is not owned, operated, or endorsed by the US federal government or state governments. Our contributors have over a decade of experience writing about health insurance. However, we do not offer professional official legal, tax, or medical advice. See: Legal Information and Cookie Policy. For more on our company, learn About or Contact us.