Tuesday, October 21, 2014

Key Dates for the Health Insurance Marketplace

Dana Halvorson

As noted in Capitol Connections last week, the next Health Insurance Marketplace Open Enrollment Period is right around the corner. Open Enrollment is the time when an individual can apply for a new Marketplace plan, keep their current plan, or pick a new one. According to the HealthCare.gov blog, there are 4 key dates to keep in mind:
 
  • November 15, 2014. Open Enrollment begins. Apply for, keep, or change your coverage.
  • December 15, 2014. Enroll by the 15th if you want new coverage that begins on January 1, 2015. If your plan is changing or you want to change plans, enroll by the 15th to avoid a lapse in coverage.
  • December 31, 2014. Coverage ends for 2014 plans. Coverage for 2015 plans can start as soon as January 1st.
  • February 15, 2015. This is the last day you can apply for 2015 coverage before the end of Open Enrollment. 
To buy Marketplace insurance outside of Open Enrollment, you must qualify for a Special Enrollment Period due to a qualifying life event like marriage, birth or adoption of a child, or loss of other health coverage. If you have any questions relating to the Affordable Care Act (ACA), please submit them to insurancecoverage@ahca.org, and be sure to check out AHCA/NCAL’s ACA website.

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