January 1, 2014
This is when the new health exchange plans can go into effect.
January 10, 2014
This is the last day most insurers will allow a payment for plans starting on January 1st.
March 31, 2014
This is the end of open-enrollment.
November 15, 2014-January 15, 2015
This is the start of open enrollment. If you bought a plan in 2014, this is the window of opportunity to change plans unless you have a life changing event such as a birth of a child, a change of employment status, an adoption, a divorce or other qualifying events.
April 15, 2015
This is the date when income-tax filings are typically due. For those receiving subsidies, this is the time for correcting over or under payments of health-care subsidies.
There are two important deadlines rapidly approaching. First, for those wanting to have health coverage beginning on January 1, 2014, then they must be enrolled by December 23, 2014. The first month premium is due to the insurance carrier by January 5, 2014.
After December 23, 2014, individual and family plans can be purchased until March 31, 2014 when the open enrollment period ends. For the remainder of the open enrollment period, insureds must be enrolled by the 15th for a start date of the 1st of the following month. For example, if you enroll between December 23, 2013 and January 15, 2014, you will be given a February 1, 2014 start date. If you enroll on January 16th through February 15th, the start date would be March 1.
After enrollment closes, one can only purchase health insurance if there is a life changing event such as the birth or adoption of a child, a marriage or divorce or a loss of coverage from a group plan. Open enrollment will begin again in October when individuals and families can shop for different plans or sign up for the first time.
The clients for whom we sent paper applications have been getting calls and are completing their enrollment. Tonight I navigated my first online application in which the client was enrolled in a plan that was about half the cost of her previous plan which she had dropped due to affordability So things are looking up, but we will have to work hard to get everyone in by December 23rd if they want a January 1st start date. Let me know if you or someone you know needs some help. We will do our very best to get them enrolled on time.