Open Enrollment for 2014 coverage ends March 31, 2014. If you haven’t enrolled in coverage by then, you generally can’t enroll in 2014 Marketplace coverage.
The exception is if you have a qualifying life event that provides you with a special enrollment period.
The next Open Enrollment period is starts on November 15, 2014 for health insurance coverage that begins January 1, 2015.
If you don’t have health coverage in 2014, you may have to pay a penalty. You don’t have to pay the penalty if you enroll in a plan by March 31, 2014.
Enrollment and coverage start dates
During Open Enrollment, if you enroll:
- Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
- Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on March 16, your coverage starts on May 1.
Getting coverage outside of Open Enrollment
You may buy Marketplace insurance outside Open Enrollment only if you qualify for a special enrollment period due to a qualifying life event such as marriage, divorce, birth or adoption of a child, or loss of a job. Learn more about how you qualify for a special enrollment period.
You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time. There is no limited enrollment period for these programs.
If you own or operate a small business, you can start offering coverage to your employees at any time.
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