Frequently Asked Questions
That may vary from state to state and insurer to insurer.
Under the new Federal guidelines, individuals will have one open enrollment period each year when they can apply for coverage:
The first year, exchanges will allow people to enroll during a six month open enrollment period, which runs from October 1, 2013 to March 31, 2014 for coverage that is effective January 1, 2014 and after.
After the first year, the Federal annual enrollment period will run from October 15th through December 7th.
It's important to note that individual states and individual insurers may also have their own open enrollment periods at different times throughout the year.
If you apply for coverage before December 23, 2013, an Exchange must guarantee your coverage is in effect by January 1, 2014.
If you apply for coverage between December 23rd 2013, and February 28, 2014, you'll be guaranteed an effective date of either the first day of the following month or the first day of the second following month.
If you apply for coverage between the first and twenty-second day of March 2014, during the initial open enrollment period, you'll have a guaranteed effective date on the first day of April.