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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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