New documentation required for SEP enrollees

The New York Times reported on 2/24 that “People who want to buy health insurance in the federal marketplace outside the annual open enrollment period will now have to provide documents to show they are eligible, the Obama administration announced on Wednesday.

In the last two years, insurers say, many people went without coverage and then signed up under the Affordable Care Act when they became sick and needed care. Insurers say that people who sign up after the deadline tend to generate more claims and more costs, raising premiums.”

This is a functional change from current procedure, where individuals signing up under the special enrollment period merely attested to it on the computer by answering a few questions.  Now, for example, you would have to provide a marriage or birth certificate, or a letter documenting your loss of coverage.

This applies only to the 38 states using the Federal Exchange ( and it is unknown what the individual state exchanges will do.