Under Obamacare, there are now times, you can buy guaranteed-issue individual health insurance coverage.
This article provides an overview of dates and key deadlines for an individual health insurance health coverage during the annual open enrollment period 2015-2016.
2016 Open enrollment dates and deadlines
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November 1, 2015: Open registration begins for individual health insurance (trained health ie plans).
- December 15, 2015: Application Deadline if you want coverage to begin January 1, 2016. * Editor's Note: This period was extended to 17 December 2015.
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1 January 2016 :. First date of coverage plans purchased during the open enrollment period 2016
- January 15, 2016: Application Deadline if you want coverage to begin on 1 February 2016.
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January 31, 2016: open enrollment ends. If you miss this deadline, you must wait until the fall of 2016 to register, unless you have a qualifying life event such as a wedding, birth of a child, the significant change of income or loss of health insurance on the basis of work. Then you can sign up during a special enrollment period.
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October 15, 2016 to 7 December, 2016: open enrollment period for 2017 coverage (dates are reviewed annually, and are subject to change).
Registration Period: | From: |
2016 Open Enrollment Period | November 1, 2015 to January 31, 2016 |
special registration period | generally 60 days of the qualifying life event |
See the updated table for open enrollment periods 2015 - 2020
FAQ: What If I miss enrollment open for an individual health plan
If you miss open? registration, you probably missed your chance to buy coverage for the year - unless you have a significant change in the circumstances called a qualifying life event. There are several types of qualifying life events such as marriage, birth of a child, change of income, loss of health insurance on the basis of employment, permanent move to a new region, etc .
If you miss the deadline, it also means you probably will face a penalty for not having insurance (called the cost of individual mandate).
In 2015, the fee is $ 325 per person to a maximum of three times that amount for a family ($ 975), or 2% of household income if is greater. In 2016, the fee increases to 2.5% of your income or $ 695 per person.
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