The 2014 Healthcare Reform Enrollment Period
Beginning this year most people will be able to sign up for a Qualified Health Plan only during the Healthcare Reform Enrollment Period.
Many people are familiar with group health insurance or Medicare Supplement open enrollment periods, but those who bought single and family health insurance were able to sign up at any time. That’s no longer the case.
The start date of a Qualified Health Plan depends on the date when you enroll.
The Initial Open Enrollment Period for individual and family health insurance that has all the new benefits of Healthcare Reform begins October 1, 2013.
Then, Open Enrollment for Qualified Health Plans continues to March 31, 2014.
Here is schedule set by the US Department of Health and Human Services. This information was part of the education the agents of Jerry S. Pearlstein Insurance completed to be federally certified to help you migrate from your current individual and family health insurance to the Qualified Health Plans offered by the Affordable Care Act. We’re here to answer other questions you may have. Just call us at 847-362-8888. No fee. No obligation.
When Enrollments Take Effect During the Initial Open Enrollment Period
|When Enrollment Selection is Received||Insurance is Active|
|All enrollments received by December 15, 2013||January 1, 2014|
|December 16, 2013 to January 15, 2014||February 1, 2014|
|January 16 to February 15, 2014||March 1, 2014|
|February 16 to March 15, 2014||April 1, 2014|
|March 16 to March 31, 2014(end of initial open enrollment period)||May 1, 2014|
You may enroll after March 31, 2014, if you have a Life Qualifying Event. You may turn 26 and need to come off your parents’ health insurance, lose a job with benefits, have your COBRA end, marry, divorce, have a baby.
If you do not have a Life Qualifying Event and miss the Open Enrollment Period, you will not be able to enroll in a Qualified Health Plan until October 1, 2014. That insurance will not be active until January 1, 2015.
Don’t be rushed into working with just anyone. We at Jerry S. Pearlstein Insurance Ltd. will take time to compare, contrast, explain, and enroll you on time for all that Healthcare Reform offers individuals and families. Call us at 847-362-8888.