Health Care Reform-Individual and Family Plan Open Enrollment


There is still time to enroll in a medical insurance plan. The Affordable Care Act has set a March 31, 2014 deadline for open enrollment. New plans or changes in plans can occur up to the deadline at which time plans can no longer be purchased or changed unless one has a qualifying event and is entitled to a special enrollment period. Some qualifying events that allow for a special enrollment period are loss of insurance due to job termination, marriage, divorce and birth or adoption of a child. If one does not qualify for special enrollment, it is required to wait until the 2014 open enrollment period beginning in October of 2014 to apply for a plan effective January 1, 2015.

The penalty for not having a policy is $95 or 1% of income for adults. In addition to the penalty, all medical expenses will have to be paid out of pocket.

Please contact me If you have any questions regarding Covered California, the California Health Insurance Exchange/Marketplace or the regular off exchange policies. Covered California will be providing premium subsidies for those who qualify based on income.


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