Shop and enroll for 2016 coverage beginning November 1

The Affordable Care Act individual mandate* requires most Americans to have health insurance coverage which you can purchase during the open enrollment period.

  • The open enrollment period for 2016 coverage is November 1, 2015 – January 31, 2016.

Once the open enrollment window is closed you cannot buy health insurance coverage unless you experience a qualifying life event.

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Major life events may qualify you for a special 2015 enrollment period
Outside the open enrollment period, you can enroll in health insurance within 60 days of:

  • Getting married
  • Adopting or giving birth to a child
  • Losing coverage (for example, through divorce, job loss, loss of Medicaid or other program status)
  • A change that affects your eligibility for tax credit subsidies

If you have a qualifying life event and need to change or apply for coverage, call a BCBSND benefits consultant at 800-280-BLUE (2583) or get a quote and apply online now.


*In 2016, the government penalty for being uninsured is a minimum fine of $695 per individual or $2,085 per family.

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