Which term refers to an individual who enrolls in a health plan after the original enrollment date?

The term that refers to an individual who enrolls in a health plan after the original enrollment date is "late enrollee." Late enrollees typically miss the open enrollment period and are then subject to certain restrictions or potential penalties. This status is particularly relevant in health insurance contexts, where timelines and conditions for enrollment are strictly defined to ensure that the insurance risk pool remains balanced and fair for all participants.

Understanding this term is crucial for managing health insurance plans and comprehending the implications of enrollment timing on coverage and benefits. Individuals who qualify as late enrollees may face waiting periods for specific conditions or might be subject to higher premiums due to their late entry into the plan.