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How to request an open enrollment waiver

If a health insurance company refuses to enroll you because you do not have a qualifying life event and it is outside the open enrollment period, you can request an open enrollment waiver to allow you to enroll in health insurance.
The Office of Patient Protection (OPP) will respond to your waiver request within 30 days.

Office of Patient Protection

Phone

Don’t speak English? We can still help. An interpreter will help translate the conversation.

The Details of How to request an open enrollment waiver

What you need for How to request an open enrollment waiver

What do I need to do before I can apply for an enrollment waiver?

First, you must apply for health insurance with a health insurance company, insurance broker, or the Health ConnectorIf you are denied enrollment, you will receive a written notice either online or by mail. Once you receive the notice denying enrollment in health insurance, you may request an open enrollment waiver.

How to apply How to request an open enrollment waiver

Mail your completed waiver form to: 

Health Policy Commission
Office of Patient Protection
50 Milk Street, 8th Floor
Boston, MA 02109

Fax your completed waiver form to 617-624-5046.

Next steps for How to request an open enrollment waiver

  1. How do I request a waiver?

    Step 1: Complete the OPP waiver form (you may download the form below);

    Step 2: Attach a copy of your notice denying enrollment; 

    Step 3: Send the waiver form and notice denying enrollment to OPP by mail or by fax.

  2. Once I fill out the enrollment waiver form, how long will it take to get an answer?

    OPP will respond to you within 30 days of receiving your waiver form. If OPP asks you for any additional information, please send it back as quickly as possible.

     

  3. What happens if OPP denies my request for an open enrollment waiver?

    You must wait until the next open enrollment period

More info for How to request an open enrollment waiver

What does OPP consider when reviewing open enrollment waiver forms?

OPP looks at the reasons you were unable to buy health insurance when enrollment was open.

You may be ineligible for an open enrollment waiver if:

  • Your health insurance was terminated because you did not pay premiums
  • You intentionally missed the open enrollment period

If you do not qualify for an open enrollment waiver, you will need to wait to buy insurance until the next open enrollment period.

Downloads for How to request an open enrollment waiver

Contact for How to request an open enrollment waiver

Address
Massachusetts Health Policy Commission - Office of Patient Protection
50 Milk Street, 8th Floor, Boston, MA 02109
Phone

Don’t speak English? We can still help. An interpreter will help translate the conversation.

Fax
1-617-624-5046
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