Open Enrollment starts 11.15.2014 and ends 2.15.2015 for Individual & Families (Free Instant Quotes, benefits, provider lists & Subsidy Calculation). The deadline for 1.1.2015 coverage is 12.15.2014. Medicare Advantage Plans and Part D Rx are enrolling now through 12.7.2014 for a 1.1.2014 effective date. Employer Groups can enroll the year around! The easiest way to enroll is by using our affiliate websites in the right hand column or getting quotes from ALL companies at one time using our Quote Engine. There is no extra charge for our consultation and assistance, we are paid by the Insurance Companies to help you, year around. If you qualify for subsidies and want to use Covered CA, just get the (Free Instant Quotes, benefits, provider lists & Subsidy Calculation) then send us an email with the other information needed and we can complete your Covered CA application. Here’s the Covered CA agent designation form. In our role as your agent, we offer year around service and consultation, not just completing an application, which no longer even asks for medical history. There is no more Pre-Existing Condition clause, it’s all guaranteed issue §2701. Health Insurance meeting the lowest “essential benefits” requirement. is mandated for just about everyone starting 1.1.2014. The penalty for non compliance is 1% of income (this year) and of course possible bankruptcy (the penalty does not get you any coverage) if G-d forbid you become ill or get into a major accident. Please note that the 10 Essential Benefits mandated by Health Care Reform leave out many important protections like, Life, Disability, Adult Dental or Long Term Care.