Guaranteed Issue and Guaranteed Renewal
• State regulators and lawmakers and HHS should:
o Establish standardized annual open enrollment periods for the fully insured individual market outside of the
exchange that coincide with the annual open enrollment periods held by the exchanges and are sufficiently long to
allow people to understand their options and obligations.
o Mandate an initial open enrollment period for the fully insured individual market outside of the exchange
that lasts at least six months and is consistent with the initial open enrollment period of the exchange from
October 1, 2013 to March 31, 2014.