The reason insurance companies have specific sign-up windows and enrollment periods is because the insurance model breaks down if anyone could switch at any time.
If someone could get the cheapest plan when they're healthy and then go switch to the best plan as soon as they started getting sick with something, everyone would do exactly that.
Insurance companies are required to accept patients regardless of pre-existing conditions, so there has to be something counter-balancing that to prevent people from only getting good insurance when they plan to use it.
If someone could get the cheapest plan when they're healthy and then go switch to the best plan as soon as they started getting sick with something, everyone would do exactly that.
Insurance companies are required to accept patients regardless of pre-existing conditions, so there has to be something counter-balancing that to prevent people from only getting good insurance when they plan to use it.