Loss of Subsidized COBRA — A Special Enrollment Period?   A Special Enrollment Period allows someone to change healthcare coverage outside of a normal enrollment cycle. In the individual market, when the reforms of the Affordable Care Act took effect in 2014, if one elected COBRA (temporary extension of group coverage) they were locked into the COBRA coverage until the next annual open enrollment period or until the end of COBRA. We recently learned that several years later, states served by the

Avoid Medicare Enrollment Headaches! Hello, Enrolling in Medicare involves more steps than most people realize and the process has recently changed. Applying for Medicare A and/or B is done through Social Security. If an application for Medicare A and B is for someone who paid in to Social Security (not a spouse, ex-spouse, or deceased spouse) then an on-line process can be used for Medicare Part A and also for Part B (if applying for B around one’s 65th birthday). An on-line process rather