Just discovered that my wife and I can't get insurance until the next open enrollment period (November?), because we missed the previous one. Supposedly this p

Just discovered that my wife and I can't get insurance until the next open enrollment period (November?), because we missed the previous one. Supposedly this policy was enacted to prevent people from getting insurance only when they get sick. Who comes up with this stuff? If there was ever a bloated carcass of an industry awaiting disruption... unfortunately its so institutionalized that any new system would require rogue doctors / hospitals.