Health Insurance Open Enrollment - What is so important about February 15, 2015?
February 15, 2015 - Health Insurance Open Enrollment
This is the last day to enroll in 2015 coverage. If you miss this deadline, you can't sign up for a health plan inside or outside the Marketplace for the rest of 2015. The only exception is if you qualify for a <https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollm ent-period/> Special Enrollment Period.
The following Special Enrollment Periods still apply for 2014:
Having a baby
Adopting a child
Placing a child in foster care
Marriage
Losing other health coverage
Leave your job
If you have a baby, adopt a child, or place a child in foster care any time during 2014, you have up to 60 days after the event to enroll in 2014 coverage. If you enroll within the 60-day period, the new coverage would start on the day of the birth, adoption, or placement in 2014. This is true even if you enroll in the 2014 coverage during 2015.
If you get married on or before November 30, 2014, you can enroll in 2014 coverage that starts as early as December 1, 2014. If you get married December 1 or later, you should fill out the 2015 application. Your coverage can start as soon as January 1, 2015.
If you lose a plan that qualifies as minimum essential coverage on or before November 30, 2014 due to job loss, an income increase that makes you no longer eligible for Medicaid or similar circumstances, you can enroll in a 2014 plan that starts December 1, 2014.
In order to get 2014 coverage for the month of December you must select the plan on or before November 30, 2014. If you select a plan after this date, your coverage will start as soon as January 1, 2015. In this case, you should complete the 2015 application.
Important:
If you leave your job for any reason and lose your job-based health coverage, you qualify for a Special Enrollment Period (SEP). However, if you voluntarily drop an individual insurance plan or drop a job-based plan without leaving your job, you don't qualify for an SEP.
We at integrated can help navigate you through all the twists and turns associated with health insurance open enrollment. Contact us today at 888-823-1342 and find out why we are stand out from the rest.
