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    Health Care Reform:

    Health Insurance & Affordable Care Act

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

    White House Extends Insurance Enrollment Deadline

    continued...

    Consumers who sign up by Dec. 23 and pay the first month's premium by Jan. 10 will have coverage on Jan. 1, the industry group America's Health Insurance Plans announced Wednesday.

    However, the federal government cautions that not all health insurers are extending the payment deadline, and some may require payment on or before Dec. 31, 2013.

    "Once you've enrolled, check with your plan that they've received your enrollment and what is the premium payment deadline and how do you go about paying your first month's premium," Fish-Parcham advised.

    Is it better to enroll now or sometime before March 31?

    Insurance brokers say it depends on your situation.

    "The (health plan) options will not change," said Karen Sweeney, benefit consultant with PIT4 Medical Insurance Consultants, in Mesa, Ariz.

    She recommends that individuals who are uninsured or who are losing coverage on Jan. 1 "get with an educated insurance broker and make a selection by Dec. 23."

    People who have coverage that carries over into 2014, however, don't necessarily need to rush to meet the Dec. 23 cutoff, brokers said.

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