It’s hard to believe that almost a year has passed since the Affordable Care Act went live and Open Enrollment 2014 began. And now we’re headed into Open Enrollment 2015.
What’s Open Enrollment? Good question. Basically, it’s when you’re able to choose a health insurance plan on the Exchange for 2015. If you miss Open Enrollment, you won’t have coverage for 2015 unless you qualify for a Special Enrollment Period.
Unlike last year, Open Enrollment doesn’t start on October 1. Instead it starts November 15th, 2014, and goes until February 15th 2015. It’s particularly important to note that while the deadline extends until February, you’ll only be able to get coverage beginning January 1, 2015 if you enroll by the 15th of December. That’s one short month between the beginning of open enrollment and that important deadline.
We’ll have more to share as we approach Open Enrollment. So stay tuned.
Open Enrollment 2014 Timeline
Open Enrollment is just the beginning. Healthcare.gov has provided a list of key dates, so keep these in mind as you’re considering coverage for next year.
- 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 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.
As always, you can reach out to us with questions by calling the number on the back of your card. Additionally you can reach out to us using the information on this page.