Photo: AP

After signaling for months that it was going to crack down on abuse of special enrollment periods, the Obama administration announced this week that it would be requiring those signing up for Patient Protection and Affordable Care Act (PPACA) plans to provide proof that they couldn’t sign up during the open enrollment period.

The decision is in response to complaints from insurers that people who have declined to get coverage during the open enrollment period have been signing up for plans only after they get sick by using the special enrollment exemptions. Insurers say that data shows that those who sign up through special enrollment cost more, on average, than other customers. As a result, a number of major insurers have told brokers that they won’t pay commissions for special enrollment customers.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?

Jack Craver



Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.