Illinois Open Enrollment Notice for Individual Medical Plans

Open Enrollment Notice for Individual Medical Plans

On June 10, 2015 Assurant Health’s parent company, Assurant, Inc. announced its exit from the health insurance marketplace. Assurant Health
will not participate in or offer products during the next open enrollment period. Please consult your agent for assistance with plan selection for
coverage in 2016.


For 2015 effective dates, the open enrollment period is November 15, 2014 through February 15, 2015.

For 2016 effective dates, the open enrollment period is November 1, 2015 through January 31, 2016.

Child-only Open Enrollment:

In addition to the open enrollment period outlined above, you may be able to submit child only applications for children under 19 years of age annually during the months of January and July.

Child-only Special Enrollment:

A special enrollment period of 60 days is available to any individual under age 19 that experiences a qualifying event. Beginning on the date of the qualifying event, the individual will have 60 days to apply for new coverage.
A "qualifying event" is considered:

For individuals under age 19 covered as a dependent under the plan of another (the insured), and for individuals under age 19 with their own coverage:
  • Loss of the insured's or the individual's employer-sponsored insurance, including termination of employment or reduction in the number of hours of employment;
  • Involuntary loss of the insured's or the individual's other existing coverage for any reason other than fraud, misrepresentation or failure to pay premium so long as the individual is under age 19 when the qualifying event occurs;
  • Exhaustion of the insured's or the individual's COBRA continuation coverage;
  • A situation in which a claim is incurred that would meet or exceed a lifetime or annual limit on all benefits;
  • Termination of employer contributions towards the insured's or the individual's coverage, including any current or former employers;
  • Legal separation or divorce of the insured or the individual; and
  • In the case of coverage offered through an HMO, or other arrangement, that does not provide benefits to persons who no longer reside, live, or work in a service area, loss of the insured's or the individual's coverage because a person no longer resides in the service area (whether or not within the choice of the person).
  • For individuals under age 19 who have been covered as a dependent under the plan of another (the insured):
  • Cessation of the individual's dependent status; and
  • Death of the insured.

For individuals under age 19 with their own coverage:
  • Birth, adoption, or placement for adoption of an individual; and
  • A person under age 19 becomes a dependent of the individual through marriage, birth, adoption, or placement for adoption.

Birth, adoption, or placement for adoption.