When can I apply for NYS Marketplace health insurance?

So, long story short, I will be losing my employer-based coverage at the end of September.

Since I know ahead of time that I’m losing coverage, I wanted to apply now so that I don’t experience a gap in coverage. However, when I called the helpline, the lady I spoke to claimed that I could only apply AFTER I lost my coverage.

This seemed insane to me, especially since Healthcare.gov claims that I can apply up to 60 days before I lose my coverage. I brought this up but she said that “this is NYS, we’re a different thing.”

I was still unconvinced so I reached out to another representative through the online chat. They claimed that open enrollment was still going on and I could apply at any time.

This just made me even more confused. I thought a broker would be more helpful but so far none of them have returned my calls/emails.

So, as a last ditch effort, I thought I would ask here. Would I be able to apply today without my application being rejected? I am tempted to just submit the application, but I’m afraid of it getting rejected and opening up a whole new can of worms.

submitted by /u/InaccurateDirection
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