re: Healthy Insurance Question

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to prevent people from going uninsured all year and then when they get ill or have an accident buy insurance to pay for their medical bills. Insurance only works if you are paying for it while healthy.

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You got part of this correct. Prior to 2014, there was open enrollment year round on most plans; HOWEVER, pre-existing conditions were often not covered due to this. Starting in 2014, excluding pre-existing conditions became illegal; therefore, health insurance companies now have Open enrollment peroids to protect themselves