Having an application window only once each year that closes without exception is the biggest part of this problem. The next biggest problem is the lazy and incompetent people in those offices. They made a mistake on my wife’s submission, then shut her down when the kill date arrived.
“Having an application window only once each year that closes without exception is the biggest part of this problem.”
One can apply any time if you qualify for the special enrollment program based on a lifestyle change.
That’s what happ is when insurance companies “administer” these programs. That should be a problem, but like all other programs it’s designed to keep you unhealthy.