Contrary to what you have seen in the media, you can still buy individual insurance. The new rules are a little different from past years (for individual products) but you may be able to qualify for special enrollee status.
For years, group enrollees have been able to add a new born, a new spouse, or a family member who lost coverage from a job during the year without having to wait till open enrollment. The individual market will operate under the same rules. It will be important to act quickly (usually with 30 days) and have your certificate of credible coverage readily available. If you find yourself in one of these situations, call me and I will explain your options.