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After January 31, 2018, consumers will not be able to enroll in a health plan until the 2019 Open Enrollment Period unless they experience a qualifying event, such as:

  • Reduction of hours or termination of employment (for other than gross misconduct)
  • Divorce from or death of the subscriber
  • The subscriber’s entitlement to Medicare
  • A child’s meeting the age limit for coverage (i.e., 26)
  • Loss of minimum essential coverage
  • New dependent
  • Acquire citizenship
  • An enrollee is determined newly eligible or newly ineligible for advanced premium tax credit (APTC) or has a change in eligibility for a cost-sharing reduction plan
  • An individual whose existing coverage through an eligible employer-sponsored plan will no longer be affordable or provide minimum value
  • Recently released from incarceration

Effective Dates: Applications for a health plan received between the 1st and the 15th of the month will be effective on the 1st of the next month. Applications received between the 16th and the 31st of the month will be effective on the 1st of the following month.

For example, an application received February 5 will have an effective date of March 1, and an application received February 17 will have an effective date of April 1.

Specialty products such as dental and vision plans follow the same effective date rules as health plans.