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UnitedHealthcare e-bulletin. Special One-Time Enrollment Opportunity Began Nov. 1, 2013 - Under the Affordable Care Act, all individuals must have minimum essential coverage (MEC) or they may be subject to the shared responsibility payment in 2014. The new law contains a number of exemptions from the MEC requirement addressing, for example, individuals without access to affordable coverage, members of certain religious sects, as well as individuals who experience a short coverage gap...MORE