Enrollment is now limited to those with a qualifying life event

Since passage of the Affordable Care Act, most Americans are required to have health insurance coverage. That coverage is available only during an open enrollment period.

  • Open enrollment for 2016 coverage ended January 31, 2016.
  • Open enrollment for 2017 coverage is scheduled to open in the fall of 2016.

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


Major life events may qualify you for a special 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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