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Under what circumstances can consumers enroll if they didn't when enrollment was first available?

If consumers do not enroll during the initial open enrollment period (October 1, 2013 - March 31, 2014), they can enroll during annual open enrollment (October 15 – December 7) of each year starting in 2014 or may be eligible to enroll during a special enrollment period under certain circumstances, Examples of special enrollment periods are when an individual or dependent loses health insurance coverage, or an individual gains a dependent or becomes a dependent through marriage, birth or adoption, or an individual moves into a new exchange service area.

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