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Health Care Reform:

Health Insurance & Affordable Care Act

White House Extends Insurance Enrollment Deadline

Record number of visits to HealthCare.gov on Monday is behind the change, official says

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"There is a lot of confusion," said Anna Causey, vice president of Combined Insurance Services Inc., a Pensacola, Fla.-based benefits broker.

Some people mistakenly believe they have until Dec. 31 to enroll in a plan that takes effect on Jan. 1, Causey said. Others don't realize they could pay a federal tax penalty if they don't have health insurance in place by March 31, she said.

Under the Affordable Care Act, most adults will pay a $95 penalty -- or 1 percent of income -- in 2014 if they don't have health insurance coverage. The penalty rises to $695 -- or 2 percent of income -- by 2016.

To avoid the penalty, people must enroll in a plan by Feb. 15 or qualify for an exemption from the penalty, Causey said.

If you're in the market for health insurance, here are some key dates to keep in mind:

What's the latest I can enroll in coverage for Jan. 1?

Consumers shopping on HealthCare.gov, the federal portal serving individuals in 36 states, have until 11:59 p.m. ET on Monday, Dec. 23, to enroll if they want coverage to take effect on the first day of the new year.

What if I enroll through my state health insurance exchange?

Deadlines for Jan. 1 coverage may differ in states that operate their own health exchanges.

Health insurers in Maryland, for instance, have agreed to extend the sign-up deadline through Dec. 27, state officials announced Tuesday. Consumers must pay their premiums by Jan. 15, the officials said.

Make sure to check with your state health exchange.

Can I enroll after Jan. 1?

Open enrollment for 2014 runs through March 31. If you buy coverage, say, on Feb. 10, it won't kick in until March 1. If you wait until March 31, your policy will take effect May 1.

There is no deadline for signing up for Medicaid or the Children's Health Insurance Program.

If I enroll in a private health-exchange plan by Dec. 23, when is my premium due?

Recently, the federal government directed insurers to accept payment by Dec. 31 and encouraged health plans to push the deadline further.

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