<prompt> Human: I am devastated. I didnt think open enrollment applied to me because Im already covered. In the past, my plans have changed a little every year but Ive NEVER had something like this happen.Reading up on it now, I see that ACA rules deadlines changed this year. I changed my deductible last years round this time.They said they sent me a notice but I didnt see it.Of course this happens right after I began fertility treatment. Were trying to start a family and now all medical treatments are gonna be cash pay until I hit 4,000.Not sure why Im posting this here but if anyone has any suggestions, Im all ears.Devastated.Editing to add: I was not banking on having fertility treatments covered nor is that my main concern. I assumed Id have to pay for it out of pocket anyway...but now I will have to pay for EVERYTHING out of pocket until I reach the 4,000 deductible. I have an autoimmune disease and see specialists for it.  <response>: You can find a way to create a life change that allows you to enroll in your husbands insurance outside of open enrollment, then cancel your individual plan. Thats really your possible only option. You say good insurance through work sucks, is it worse than yours now?The other option is to get a job that has insurance.Im not trying to be cruel - I think you understand it to be true that this is a mistake that is on you. Every adult person in the US is supposed to verify their insurance annually during open enrollment. 