What is a potential consequence of late enrollment in the California marketplace?

Late enrollment in the California marketplace can indeed lead to a loss of coverage options. When individuals miss open enrollment periods, they typically become ineligible to sign up for plans until the next enrollment period, which may significantly limit their choices. This situation can leave them without access to preferred coverage, which may be necessary for their specific health needs.

It is important to understand that the open enrollment period is designed to allow individuals to choose coverage that best suits their needs and preferences. Missing this window can affect not only the variety of plans available but also the potential benefits associated with them, such as certain network providers or plan structures that may not be accessible outside the designated enrollment times.

In contrast, the other options reflect scenarios that do not apply to late enrollment. For instance, increased monthly premiums may occur due to other factors, but they are not a direct consequence of missing the enrollment period alone. Similarly, immediate access to services and guaranteed acceptance into any plan do not occur when one enrolls late, as these benefits typically require being within the enrollment period.