Open enrollment in the Health Insurance Marketplace occurs annually and allows individuals to purchase a plan and receive subsidies based on income, if eligible. The upcoming open enrollment period runs from November 15, 2014 to February 15, 2015. Individuals can also enroll outside of open enrollment due to qualifying life events like marriage, birth of a child, or loss of other health insurance. Employees may revoke their employer-provided health insurance in two new situations - reducing work hours to part-time status or enrolling in a Marketplace plan during the open enrollment period - and enroll in another plan.

1. MARKETPLACE
OPEN ENROLLMENT
Open enrollment in the Marketplace is a set time frame when individuals can enroll
in a plan and receive a subsidy based upon their household income, if eligible. You can
generally buy a Marketplace plan only during the annual open enrollment period.
Upcoming dates to know:
NOV. 15
2014
DEC. 31
2015 Open 2014
Enrollment begins
FEB. 15
2015
2015 Open
Enrollment ends
Coverage ends for 2014
Marketplace plans
Individuals may also buy a Marketplace plan outside of open enrollment if they qualify for a special
enrollment due to a qualifying life event such as:
BIRTH OR ADOPTION
OF A CHILD
LOSING OTHER HEALTH INSURANCE
MOVING TO A
MARRIAGE NEW STATE
Two new permitted election changes might allow for additional opportunities to enroll in
the Marketplace. A cafeteria plan election (except a health FSA election) may be revoked
in two new situations:
1 Employee enrollment in the Exchange
Must enroll during Exchange
open enrollment period or a
special enrollment period
Must enroll in an Exchange
plan immediately following
the revocation
Reduction in hours of service 2
Employee must change from
full-time to part-time status
and be reasonably expected to
remain part-time
Must enroll in another plan
no later than the first day of
the second full month
following revocation
Employers with non-calendar year plan years may permit election changes to their Cafeteria
Plan to allow individuals to come off of the employer’s plan and enroll in the Marketplace
during open enrollment.
copyright 2014