2015 open enrollment begins November 15, 2014. You must enroll or re-enroll in insurance by February 15th to avoid a tax penalty on your 2015 taxes.
Between November 15 and December 15 for coverage with an effective date of January 1, 2015
Between December 16 and January 15 for coverage with an effective date of February 1, 2015
Between January 16 and February 15 for coverage with an effective date of March 1, 2015
You are only entitled to a special election of benefits to enroll or modify your policy after these dates for the following reasons:
- Loss of coverage due to loss of job or change of job where you lose insurance benefits
- Relocation that results in change of state residence
- Birth or adoption of a child
- Dependent loss of coverage
Note: Termination of coverage due to non-payment is NOT a qualifier for a special election.