I will presume that your question refers to individual health insurance coverage. Now that we are into 2014 and the Affordable Care Act (ObamaCare) provisions for individual and small group health insurance are fully in effect your freedom of movement as a health insurance buyer is rather severely restricted.
Outside of the new annual open enrollment period changing your health insurance carrier in mid-policy year is only allowed under limited circumstances. Change of life status events (which I have addressed in previous questions on that topic - please see my past answer history), financial failure of the health insurance carrier you selected, or defrauding the consumer are virtually the only ways a person can change insurance carriers mid-stream.
So, if you got on HealthCare.Gov during the last open enrollment period, purchased a health insurance plan because you liked the monthly premium but didn't bother to do your research and learn that your doctor's, hospital or pharmacies aren't in-network providers then this is a classic example of "Let The Buyer Beware" and you will have to live with your choice until next year's open enrollment when you can switch carriers. This is why the individual health insurance consumer should seek out the services of a qualified health insurance agent who can explain all the subtle details in today's health insurance plans that the average consumer could quite possibly miss.
.JPG){kind=avatar}
Outside of the new annual open enrollment period changing your health insurance carrier in mid-policy year is only allowed under limited circumstances. Change of life status events (which I have addressed in previous questions on that topic - please see my past answer history), financial failure of the health insurance carrier you selected, or defrauding the consumer are virtually the only ways a person can change insurance carriers mid-stream.
So, if you got on HealthCare.Gov during the last open enrollment period, purchased a health insurance plan because you liked the monthly premium but didn't bother to do your research and learn that your doctor's, hospital or pharmacies aren't in-network providers then this is a classic example of "Let The Buyer Beware" and you will have to live with your choice until next year's open enrollment when you can switch carriers. This is why the individual health insurance consumer should seek out the services of a qualified health insurance agent who can explain all the subtle details in today's health insurance plans that the average consumer could quite possibly miss.