Open enrollment for exchanges began October 1, 2013, for coverage effective date of January 1, 2014. Advance premium tax credits (or subsidies) will be available through public exchanges for eligible individuals and families.
There will be a six-month initial open enrollment period, October 1, 2013 through March 31, 2014. However, if you want your coverage to be effective on January 1, 2014, you must enroll by December 15, 2013. If you enroll after this date, the effective date of your coverage will depend on when you enroll. In future years, there will be an annual open enrollment, October 15 to December 7 for coverage starting the next January 1. Special enrollment periods will also be available throughout the year to address life-changing events and other special circumstances, such as loss of job-based coverage.