Another Obamacare Break: Begin Applying Before March 31 Deadline, Get An Extension

MIAMI, FL - MARCH 20: Paul Paucar (L-R), Homero Paucar, Giovanny Paucar and Ivonne Cucalon sit with, Jessica Adames, an insurance agent from Sunshine Life and Health Advisors as they try to purchase health insurance under the Affordable Care Act at a store setup in the Mall of Americas on March 20, 2014 in Miami, Florida. The owner of Sunshine Life and Health Advisors, Odalys Arevalo, said she has seen a surge in people, some waiting up to 3 hours or more in line, trying to sign up for the Affordable Care Act before the open enrollment period for individual insurance ends on March 31. (Photo by Joe Raedle/Getty Images) (2014 Getty Images)

People who've started applying for health insurance but aren't able to finish before the March 31 enrollment deadline will get extra time, the Obama administration has announced.

"We are experiencing a surge in demand and are making sure that we will be ready to help consumers who may be in line by the deadline to complete enrollment, either online or over the phone," Health and Human Services spokesman Aaron Albright said Tuesday.

The White House is scrambling to meet a goal of 6 million signed up through new online markets that offer subsidized private health insurance to people without access to coverage on the job. The HealthCare.gov website got more that 1 million visitors Monday, and the administration also wants to prevent a repeat of website problems that soured consumers last fall.

Officials said the grace period will be available to people on the honor system, meaning applicants will have to attest that special circumstances or complex cases prevented them from finishing by March 31.

It's unclear how long the extension will last. Some have urged the administration to allow until April 15, the tax filing deadline. People who are due refunds may be willing to put some of that money toward health care premiums.

The latest tweak to the health care rollout is certain to infuriate Republican critics of President Barack Obama's signature law. It follows delays of the law's requirements that medium-sized to large employers provide coverage or face fines. The GOP is making repeal of the health care law its rallying cry in the fall congressional elections.

The White House had signaled last week that a grace period of some sort was in the works. Spokesman Jay Carney said Friday that people in line by the deadline would be able to complete their applications. Administration officials argue that's not extending the deadline. They compare it to the Election Day practice of allowing people to vote if they are in line when the polls close.

The decision to grant extra time was first reported late Tuesday by The Washington Post.

The administration's decision affects the 36 states where the federal government is taking the lead on sign-ups. The 14 states running their own websites are likely to follow, since some had been pressing for an extension on account of their own technical problems.

Brian Haile, senior vice president for health policy at the Jackson Hewitt tax preparation firm, welcomed the move.

"The disbursement of tax refunds appears to be making a substantial difference in the willingness and ability of uninsured Americans to sign up for ... coverage," Haile said.

Jackson Hewitt projects the administration can meet the goal of 6 million only if it allows people to keep signing up through April 15.

Enrollment has already crossed the 5 million mark.