If you, your employees or your plan customers about registering for individual health insurance this year, you better act now. Indeed, the deadline for open enrollment 2015 is Sunday 15 February. But do not be tempted to wait until February 15 to start your application. Start today.
What should you know about registering for coverage over the last few days of open enrollment? Read on 
2015 Open Enrollment Deadline -. 15th February
annual open enrollment is the time of year when everyone can sign up for a health insurance coverage guaranteed issue, either by the market in your state, or " off "of the market by a broker or website.
You can register in person Medicare during the annual open enrollment period, or during a special enrollment period. The purpose of these enrollment periods is to control costs - it prevents people to wait until they get sick to health insurance
Remember: . If you do not sign up for coverage by February 15, and you are not eligible for a special enrollment period, you must wait until next fall to buy coverage.
not procrastinate
as tempting as it is to wait until February 15 to register for coverage, do not procrastinate. Start today. It is felt that 10 million people will sign up for coverage through the markets this open enrollment period. And a big rush will enroll 15 February. If you wait until the last day, we could see a much slower website and heavier application process.
If you are not covered, you will have to pay fees
and remember, if you are not covered this year, and you do not qualify for an exemption, you have to pay fees next year come tax time.
In 2015, increases in costs of more :. $ 325 per person (maximum $ 975 per family) or 2% of your annual income
This is commonly called the "individual mandate" or "individual of shared responsibility fee." more on the individual fee and exemptions here.
most eligible for premium tax credits
as you plan for the purchase of health insurance coverage, remember that most people are eligible for a discount through to the premium tax credits.
the premium tax credits to help many people buy individual or family health insurance coverage more affordable the insurance market health. the premium tax credits are "advanced payable" which means they can be applied to your premium when you buy a health insurance coverage
Tip :. The tax premium credits provide significant savings. In 2014, 87% of people who bought a health plan through the market received a discount, paying only $ 82 / month on average.
You are eligible for a tax credit on premiums if you meet certain income requirements and do not have access to affordable health insurance through an employer's program or Government such as Medicaid or Medicare. Tax credits are available for households earning up to $ 46,680 for an individual in 2014, or $ 95,400 for a family of four.
special enrollment periods
As mentioned above, you can have another chance to register coverage during the year before the next open enrollment period. You can qualify for special enrollment period if you have a major life event, such as getting married, having a baby, moving to a new state or county, with a significant change in income, etc. .
These types of life events are eligible to enroll in coverage. Your window is usually 60 days in the life event.
Conclusion
15th February marks the end of the open enrollment 2015. If you, your employees or your customers plan to sign for Medicare coverage this year, do not procrastinate. Start the application now to avoid the rush on Sunday. And remember, if you do not sign now this may be your last chance for 2015.
What questions do you have about the open enrollment deadline period this year ? Leave a comment below and we'll help you answer them.
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