December 15th is the last day to get a health plan that starts by January 1st. The 15th is also the last day to verify your plan and information for the 1st.
Visit HealthCare.Gov or find your state’s Health Insurance Marketplace and enroll in a plan by December 15th. This general rule applies for private insurance purchased outside the Marketplace as well.
Enrolling, Switching Plans, and Verifying Info For the New Policy Period
Since all of your out-of-pocket costs apply to an annual policy period you aren’t doing yourself any favors waiting until the last minute to get your coverage in order.
If you miss the soft December 15 deadline, you’ll have all the way up until open enrollment closes on February 15th to enroll, switch plans, or verify info for 2015.
Why Verify Plans
Plans may auto-renew for 2015, as will cost assistance in many cases. In some cases a similar plan with similar assistance will renew. Plans have changed this year, so have prices, and cost assistance amounts. By verifying your plan and info you take control of what plan you get and ensure that your getting the right amount of cost assistance.