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2018 Open Enrollment begins on November 1, 2017 and ends on December 15, 2017. Open Enrollment is the period in which the government allows you to apply for new coverage or change your coverage each year.  Once Open Enrollment ends, you will not be able to get health insurance until the next Open Enrollment for the next year.



Open enrollment & Special enrollment

Special Enrollment is when an individual has a qualifying life event that allows them to enroll in or change coverage outside of the Open Enrollment period. Unfortunately, we are no longer able to help individuals with Special Enrollment.

Options for Individuals seeking coverage in 2018:


1.  Kaiser Permanente



2.  BCBS - If you live in one of the following counties, BCBS will still offer individual coverage:

Guided Access:  Bibb, Houston, Richmond

Non-Guided Access:  Appling, Atkinson, Bacon, Baldwin, Ben Hill, Berrien, Bleckley, Brantley, Brooks, Bryan, Bulloch, Burke, Camden, Candler, Carroll, Charlton, Clinch, Coffee, Colquitt, Columbia, Cook, Crawford, Decatur, Dodge, Dooly, Early, Echols, Effingham, Emanuel, Evans, Glascock, Gynn, Grady, Hancock, Haralson, Heard, Irwin, Jasper, Jeff Davis, Jefferson, Jenkins, Johnson, Jones, Lanier, Laurens, Liberty, Lincoln, Long, Lowndes, McDuffie, McIntosh, Meriwether, Miller, Monroe, Montgomery, Morgan, Oglethorpe, Peach, Pierce, Pulaski, Putnam, Screven, Seminole, Taliaferro, Tattnall, Telfair, Thomas, Tift, Toombs, Treutlen, Troup, Turner, Twiggs, Upson, Ware, Warren, Washington, Wayne, Wheeler, Wilcox, Wilkes, and Wilkinson.


If you live in one of the above counties, to get a quote or apply for BCBS coverage, click on the following link:





3.  You can go through the marketplace and apply for a plan with Ambetter, however, we will not be able to help you or be your agent.



You have other options:

Short-Term Medical and Telemedicine.

If you are interested in getting a quote or applying for KAISER PERMANENTE coverage for 2018, click on the following link:




CLICK HERE for the Kaiser brochure with all 2018 individual plans and rates


CLICK HERE for a Kaiser paper application


Kaiser is the only carrier we can help you with if you live in the metro Atlanta area.


If you live in a county outside metro Atlanta, BCBS may still be offering plans in your area (see list to the right).

Qualifying Life Events for Special Enrollment:


  1. Change in marital status.

  2. Change in number of dependents.

  3. Change in employment status.

  4. Dependent no longer meeting eligibilty requirements.

  5. Change in place of residence.

  6. Significant cost and/or coverage changes.

  7. Family Medical Leave Act.

  8. Judgments, decrees, or orders.

  9. Change in coverage of spouse or dependent under another employer's plan.

  10. Change in citizenship status.

  11. Open enrollment under the plan of another employer.

  12. HIPAA special enrollment rights for new dependents and in the case of loss of other insurance.

  13. A COBRA-qualifying event.

  14. Loss of coverage under group health plan of a governmental or educational institution.

  15. Entitlement to Medicare or Medicaid.

  16. Any other situations in which the group health or dental plan is required by the applicable federal or state law to allow a change in coverage.



With The Affordable Care Act, you are required to have ACA-compliant medical coverage or pay a penalty on your tax return at the end of the year.  



Special Enrollment Period
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