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Open Enrollment

Questions answered

Open Enrollment starts Oct 1 2013.

After their eligibility has been determined, individuals may enroll in a QHP during various timeframes throughout the year. The three timeframes are the initial open enrollment period, the annual open enrollment period, and special enrollment periods (SEP).

  • The initial open enrollment period begins October 1, 2013 (before the Marketplaces first make coverage available on January 1, 2014), and continues through March 31, 2014.
  • The annual open enrollment period is between October 15 and December 7 each year, beginning in 2014.
  • SEPs occur throughout the year, based on individuals’ special circumstances.

Beginning in 2014, the Marketplaces will send an annual open enrollment notice to each enrollee, between September 1 and September 30, to ensure enrollees are aware of the upcoming annual open enrollment period.

When Enrollments Take Effect During the Initial Open Enrollment Period

The date that an individual’s QHP health insurance coverage takes effect is based on the date the Marketplace receives their enrollment selection. The effectuation standards for the initial open enrollment period are as follows:

Enollment Selection received By Coverage Begins
Dec 15, 2013 Jan 1, 2014
Dec 16, 2013 to Jan 15, 2014 Feb 1, 2014
Jan 16, 2013 to Feb 15, 2014 March 1, 2014
Feb 16, 2014 to March 15, 2014 April 1, 2014
March 16th March 31, 2014 May 1,2014

 

When Enrollments Take Effect After the Initial Open Enrollment Periods

As described above, an annual open enrollment period will take place each year from October 15 to December 7 of each year, beginning in 2014. All enrollment selections made during that period will take effect on January 1 of the following year.

For enrollment selections made outside of the annual open enrollment period, during the SEP, the date that an individual’s QHP health insurance coverage takes effect is based on the date the Marketplace receives the enrollment selection. The effectuation standards for enrollment selections made after the initial open enrollment periods are:

Enollment Selection received By Coverage Begins
Oct 15, 2014 to Dec 7, 2014 Jan 1, 2015
1st-15th calendar day of month 1st Day of Following Month
16th-31st calenday day of month 1st Day of second Following Month

Note: Medicaid and Chip do not limit periods of time which an individual can enroll.

Next Topic: Special Enrollments

 

 



Agents and Brokers are required to be trained to assist consumers with the application and decision making process. Using an Agent to enroll in a ObamaCare Health Plan will be the primary choice of many americans. After all agents have the inside track on companies and their promptness to handle claims and pay benefits in atimely fashion.

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