Here’s a rundown of the key dates for people buying insurance in the new Marketplaces: •Dec. 23, 2013: Last day to enroll with healthcare.gov and most state-run Marketplaces for coverage to start Jan. 1, 2014. •Jan. 1, 2014: Coverage begins for people who enrolled successfully. •Jan. 10, 2014: First payment due for policies that took effect Jan. 1. •March 31, 2014: Last day to enroll in 2014. Coverage will start in April. •Nov. 15, 2014: Next open enrollment period begins. •If you have a life-changing event -- such as the birth of a child or losing your job -- you don't have to wait for the enrollment period. You can sign up or change coverage within 60 days of the event.
If you sign up after Dec. 23, 2013, but before March 31, 2014, here’s how it works: If you sign up between the 1st and 15th of the month, your insurance will kick in on the first day of the following month. For example, if you enroll on Jan. 10, your insurance will go into effect Feb. 1.
If you enroll between the 16th and end of the month, your insurance will take effect the first day of the second following month. So if you sign up on Jan. 25, your insurance won't take effect until March 1.