 [ Symptoms ] say something happens and i cannot make my cobra fee and i lose my coverage after the open enrollment date if i then apply for health insurance on the marketplace would this be considered a hardship to get the application processed i am currently covered by anthem blue cross with a ppo when i had the option to apply for insurance during the interim period of time after losing my job i was denied coverage at kaiser for a pre existing condition if i apply for a kaiser plan now during open enrollment will i be accepted [ Disease ] if you apply now you must be accepted for a plan that begins january 1 2014 starting then insurers can no longer deny people coverage because of a pre existing health condition and i would suggest you shop now for a new plan because you will likely find something less expensive than cobra if cobra expires outside of open enrollment you would be able to sign up for a new plan but that will not be the case if you just stop paying for it and while there are hardship exemptions in your situation you would need to meet very specific eligibility requirements set by your state is marketplace