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    Health Care Reform:

    Health Insurance & Affordable Care Act

    People who can prove that snags on Healthcare.gov site caused delays can still get coverage starting Jan.1

    White House Extends Enrollment Deadline Again

    continued...

    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 enrolled 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.

    Consumers who signed 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 last week.

    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 cutoff time, brokers said.

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