2014 is quickly coming to a close! The middle of November has passed, which means we are in the midst of open enrollment season. If you have not already taken the time to evaluate your current, and future health care needs, now is the time to do so. Knowing what you do and do not need in a health plan will make the selection process much easier.

In order to secure your new health plan, you need to make sure you meet the appropriate deadlines. You are only allowed to go 3 months with a gap in your coverage before you will be ordered to pay an expensive fine. In order to avoid this, and save yourself some time and money, familiarize yourself with these important dates:

  • Open enrollment 2015 officially begins on November 15th of 2014.
  • The final day to enroll for a health plan that will kick in on January 1st, 2015 is December 31st, 2014.
  • All health plans purchased through the 2014 Marketplace will cease to be effective beginning December 31st, 2014.
  • January 1st, 2015 is the first date that new health coverage can begin.
  • Open enrollment 2015 will close on February 15th, 2015.

Make sure that you do not miss any of these crucial deadlines. Do not take the risk of being under or uninsured for any amount of time. You will surely regret it when you are in the face of a health care-related emergency!

The best way to navigate the 2015 Marketplace is to first contact a Certified Covered California Broker. These individuals have the knowledge and experience necessary to guide you through the complex, and often confusing world of health care. They can dispense quality advice that will make choosing the right plan for you much easier. Certified Covered California Brokers can even find ways to save you money! Please contact Bernardini & Donovan Insurance Services to speak with a licensed agent today!