First Things First. What Is Open Enrollment?
Open enrollment is a window of time established by the federal government during which citizens can enroll in a Qualified Health Plan that meets the Affordable Care Act (ACA) requirements. The next ACA open enrollment period begins November 15, 2014 and ends February 15, 2015. Coverage begins January 1, 2015 for individuals who sign up before December 15.
You can only sign up for health insurance outside of open enrollment if you experience a qualifying life event. These events include getting married or divorced, having a baby, losing your job and moving. Learn more about Special Enrollment Periods (SEPs).
If you do not qualify for an SEP and need coverage prior to January 1, you can get temporary coverage with a short-term health plan.