Let me take some wild guesses, Homestead....you are presently living in a state that underwrites, you are male, don't presently have maternity benefits, or possibly drug rehab benefits. Really those are not the major points as I accept them as part of them change and it is what it is. The part that bothers me is they (assuming you are on an individual plan) could re-up your present plan until December 31, 2014, but they haven't because of the money grab they want from you. If I were you, and assuming my assumptions are correct, I would seriously consider going with another provider that will let you have their underwritten plan until Dec. 2014. Or at least investigate it, as I do not know your individual health situation. Mine was a no brainier as I have no health problems. My BCBS is fixing to pull the same stunt on me, but I beat them to the punch and just switched carriers. I will re underwrite again in December to extend it out until the very end.