Open Enrollment Health Insurance, from Life in the USA: The Complete Guide for Immigrants and Americans

Life in the USA is a complete guide to American life for immigrants and Americans. All materials on this site Copyright © Elliot Essman 2014. All rights reserved.    Home    Back    next

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Life in the USA
Medical Care
Health Insurance

Open Enrollment
Open enrollment health insurance plans are the plan of last resort for people who cannot qualify for health insurance because of illness, health history or high risk lifestyle. Blue Cross-Blue Shield is the most widely known open enrollment plan. The plans are run by not-for-profit corporations. By law, they must accept everyone who applies. As a result, they can be enormously expensive, because of the greater risk level of the group insured. These plans are not really insurance at all, but a means of pre-paying for medical expenses that, for their members, are almost certain to occur.
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