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The Marketplace and the insurance carriers are much more rigid these days about granting special enrollment periods to qualify for health insurance. For those who don't qualify, there are other options. Short term plans, critical illness plans, and disability plans can be effective protection for your family if you are unable to qualify for Obamacare plans.
My role as an Agent is to help people find the right coverage to suit their situation and their budget - not mine.
If you know someone who needs expert help understanding their insurance and their options, have them call me at 847-502-2663. There's no cost or obligation. They can also visit my website.