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Health Insurance Exchanges will be open for business in October 2013. It is very important to note that there are very specific deadlines and timelines in terms of enrolling, or changing your plan once enrolled. As your health exchange quote experts, we will assist you with every step of the process to make sure you don’t miss your window of opportunity to enroll on a health plan.

These timelines serve a purpose of ensuring that people don’t enroll only once they become sick. If this was the case the system would not remain sustainable. Therefore, the following timeline was created:

  • October 1, 2013 – enrollment can begin for a health insurance plan within the exchange
  • January 1, 2014 – effective date for the health exchange plan applied for prior to December 15
  • March 31, 2014 – last date to enroll on a health exchange plan
  • After January 1, 2015 – enrollment window will take place from October 15 through December 7 each year
  • Applications received from the 1st through the 15th of each month will have an effective date of the first of the following month (example: an application received February 15th will have an effective date of March 1st)
  • Applications received from the 16th on will have an effective date of the first of the second month (example: an application submitted on February 16th will have an effective date of April 1st)

You may enroll outside of this window should you have a valid “qualifying event”. Examples of these are loss of employer sponsored coverage, birth of a child, or marriage. These plans will be effective 60 days after the qualifying event occurs. To enroll, in addition to the application the following items will also be required:

  1. Social Security Numbers (or legal documentation numbers for legal residents) for all applicants
  2. Income information for all members, such as pay stubs or a W-2 form
  3. Current policy information
  4. An employer coverage form for anyone eligible for an employer sponsored plan

The checklist and employer form can be accessed here

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Health Exchange Quote Insurance Agency can assist you with every step of the application process from start to finish. Contact us today for your quote and assistance with the application paperwork. We are dedicated to making this an easy process for you!

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30101 Town Center Drive, Suite 109
Laguna Niguel, CA 92677

Telephone: (800) 366 2751


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