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Time is Running Out – Know Your Open Enrollment Deadlines

The Affordable Care Act (ACA) established the first-ever nationwide open enrollment period for individual and family health insurance, which began on October 1, 2013, and will continue through March 31, 2014. This open enrollment applies to the federal and state exchanges, as well as private exchanges like the CPA Insurance Marketplace. Consumers without coverage after that date may be subject to tax penalties when they file their 2014 federal tax return.

Application Completion Deadline* Desired Coverage Effective Date
February 15, 2014 March 1, 2014
March 15, 2014 April 1, 2014
March 31, 2014 May 1, 2014
*This date represents private exchange deadlines to complete the application to secure the desired effective date.

Important: Deadline to apply for March 1st coverage is February 15th (which is this Saturday). While you may apply for coverage on the 15th, Member Benefits counselors will only be available to assist members up to 5:00 pm Eastern on Friday, February 14th. Make sure to get all your questions answered by the end of the day on Friday, the 14th. Don’t wait until the last minute!

CPA Insurance Marketplace is a customized multi-carrier private exchange that offers a consumer-friendly approach to purchasing health insurance and other coverages. Members are able to view plans from a variety of qualified health insurance providers, compare benefits and costs and make purchasing decisions based on their specific health needs and budget. With live assistance from licensed Benefits Counselors, members are getting the information and service they need to evaluate how to best move forward with their health insurance decisions.

Currently, health insurance companies are accepting enrollments in the private exchange for a six-month open enrollment period, which runs from October 1, 2013 – March 31, 2014, for coverage effective dates of January 1, 2014, and thereafter. A special enrollment period may be opened thereafter if you have a qualifying event. Some important deadlines to consider during open enrollment.

Members can call 1-800-282-8626 for assistance or start shopping for plans.