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The Open Enrollment period starts on November 1, 2016 and ends on January 31, 2017. If you enroll by December 15, 2016 your coverage will begin on January 1, 2017.
Unless Congress acts to extend the January 31, 2017 deadline, you will be unable to purchase an Obamacare Plan until the next Open Enrollment period begins in the fall of 2017. Between this Open Enrollment Period and the next period, you can only enroll in an Obamacare Plan if you have a Qualifying Life Event.
If you previously purchased an Obamacare Plan in 2015/2016, that coverage will expire on December 31, 2016. You can choose to either renew your current plan or purchase a new plan, but you have to act before January 31, 2017.
If you enroll during the Open Enrollment period, your coverage begins as follows:
Enrollment during the first 15 days of the month -- your coverage will begin on the first day of the following month. For example, if you enroll by December 15, 2016, your coverage will begin on January 1, 2017.
Enrollment between the 16th and last day of the month -- your coverage will begin on the first day of the second month following your enrollment. For example, if you enroll on December 16, 2016, your coverage will begin on February 1, 2017.
If you choose not to purchase a healthcare policy in 2017, you could be assessed a penalty fee on your 2016 federal income tax return that is either a) 2% of your income or b) fines by household ($325 per adult, $162.50 per child, or $975 per household), whichever is greater.
So don’t waste another minute of Open Enrollment! ObamacareUSA.org connects you to virtually every health plan available during Open Enrollment. Compare plans and find the best coverage for the lowest rate now!