Insurers say many customers have abused special enrollment periods, waiting to sign up for coverage when they’re sick and need pricey care. Other groups dispute that charge.
People who want to sign up for a policy on HealthCare.gov after the annual open enrollment period ends Jan. 31 may have to produce a paper trail proving that they qualify for a “special enrollment period,” before their coverage can begin, according to details of a pilot program described by federal officials.
But the verification measures, long sought by insurance companies, may deter the very consumers the marketplace needs to attract: healthy people who may not bother signing up if doing so is a hassle.
The insurance needs of many of the shoppers who use the health marketplaces don’t fit neatly into the three-month annual open enrollment period.
For example, nearly 30 million people — workers plus
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