What happens if I miss the deadlines?

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.

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