@indemnifyme - You're right, being able to enroll in an insurance plan at anytime is much better for customers. I personally think open enrollments are the most ridiculous thing I've ever heard of as far as employee benefits.
When my boyfriend got his last job he was hired right after the open enrollment period. So he had to wait almost another six months in order to get insurance! During that time he got really sick and ended up with some huge medical bills. If he had been able to enroll in the company health insurance plan when he was hired that never would have happened!