It's a New Day in Health Care.

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    Health Care Law Timeline

    What’s Happening and When?

    By now, you've heard about the new health care law and the big changes in health insurance. Although Open Enrollment ended on March 31, you could still qualify for affordable coverage if you've had a life event — such as a marriage, a new child, a move to a new area or you lost coverage through your job.

    Buying health insurance is an important decision. We help you make confident choices so you get the affordable coverage you need.


    March 31, 2014 – Be Covered or Face Potential Tax Penalty

    The health care law requires almost all Americans to have health insurance in 2014. If you don’t enroll in a plan by March 31, 2014 (the last day of open enrollment on the Health Insurance Marketplace), you may have to pay a tax penalty every month you go without. A tax professional can tell you exactly how this penalty might impact you.

    If you meet certain requirements, you may be able to get an exemption, so you don’t have to pay this tax penalty. You can find out if you qualify for an exemption at

    March 31, 2014 – The Last Day of Open Enrollment

    This year, Open Enrollment on the Marketplace goes until March 31, 2014. If you want to buy health insurance on the Marketplace that meets the federal coverage requirement, you must make your purchase by the end of March 2014. Otherwise, you may have to wait until November 15, 2014, the start of the next Open Enrollment period, for another chance to buy coverage on the Marketplace.

    You can only buy coverage on the Marketplace outside Open Enrollment if you experience a “qualifying event,” including:

    • birth or adoption of a child
    • marriage
    • divorce
    • loss of other health coverage

    You can learn more about Open Enrollment and what to expect in health care starting in 2014 at

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    This is an estimate for a 2017 plan and does not include any financial assistance you may be eligible for from the federal government. Your actual rate will depend on information entered in your application for coverage.

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    But you could still qualify for affordable coverage if you’ve had a life event. These events include marriage, a new child, moving to a new area, losing coverage through your job, and other life changes. See if you qualify!

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