2013 / 2014 Open Enrollment In The Individual Health Insurance Exchange

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2013 / 2014 Open Enrollment In The Individual Health Insurance Exchange

2013 / 2014 Open Enrollment In The Individual Health Insurance Exchange

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Individual Health Insurance Exchange

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Individual & Family Plans – Ages 19 – 64
Child Only Plans – Ages 0-18
Senior Plans – Ages 65+

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Health Care Reform requires Exchanges to have an initial open enrollment period, an annual open enrollment period, and certain special enrollment periods. Individuals will only be able to enroll in a Qualified Health Plan through an Exchange during one of the enrollment periods. Individuals will not be allowed to purchase coverage unless an enrollment period is available.

 Initial Enrollment Period

The initial open enrollment period is expected to run from October 1, 2013 through March 31, 2014. Coverage will have an effective date of January 1, 2014, for qualified individuals whose Qualified Health Plan selections are received by the Exchange on or before December 15, 2013. For any selections received between the first and 15th day of January, February or March 2014, coverage will be effective the first day of the following month. For selections received between the 16th day and the last day of any month between December 2013 and March 31, 2014, the Exchange must ensure coverage is effective the first day of the second following month.

Special Enrollment Periods

Qualified individuals and enrollees may be allowed a “special enrollment period” under certain circumstances (similar to a qualifying event under Section 125 plans), during which they could enroll in a plan or change enrollment from one plan to another. Each special enrollment period will be 60 days from the date of the triggering event. The effective date of any coverage elected during a special enrollment period follows rules similar to those applicable during initial enrollment. However, coverage would be effective on the date of birth, adoption or placement for adoption, when that is the special enrollment triggering event. Click here for the list of Triggering Events.

Annual Enrollment Periods

The annual enrollment period for 2015 and subsequent years will begin October 15 and extend through December 7 of the preceding calendar year. Starting in 2014, the Exchange must provide advance written notice to each enrollee about annual open enrollment no earlier than September 1, and no later than September 30.

About the Author:

Jesse is the Founder and CEO of Smedley Insurance Group, Inc. and iHealthBrokers.com. He is a licensed health and life insurance broker in 47 states and the District of Columbia. Jesse specializes in Medicare and health insurance benefits packages for businesses and their employees. Jesse is the designated responsible broker for Smedley Insurance Group, Inc. He founded Smedley Insurance Group after working for a small captive insurance agency where he was required to sell perhaps the worst health insurance plans to consumers because it was all the company had to offer. He knew there had to be a better way and thus, SIG was born. Jesse can be reached toll free at (866) 260-9829, Ext. 101. His email address is: his first name @iHealthBrokers.com.

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