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11/1/11 - Important Change for Horizon Individual Plan. Please note there is a change, effective 11/1/11, regarding the termination and re-enrollment in IHC plans, for a customer trying circumvent open enrollment restrictions.  A person who terminates their standard individual health benefits plan, or B&E plan coverage, in order to enroll in a different plan that would otherwise be limited to the open enrollment period, cannot make the change and become effective with the new plan during the 31 days following termination.  The Individual will be subject to a 12 month pre-existing condition limitation. The attached revised IHC Replacement Chart will assist with determining what changes need to wait until the Open Enrollment Period each November. A broker brief with complete details will be released shortly.