2015 Individual & Family Renewals

Due to changes in the health care law, we now have an Annual Open Enrollment Period.  As a result, insurance companies were required to change their renewal process.  If you applied for new individual/family coverage anytime in 2014 your renewal date will be January 1, 2015.    

During the upcoming open enrollment period, you will only have from November 15th - December 15th to make changes to your plan.   If you make changes after December 15th, your effective date will be later.  Please see the chart below for details on when you can make changes.

Completed Application	Effective
November  15 – December 15	January 1
December 16-January 15	February 1
January 16-February 15	March 1
After February 15 you must have a qualifying event to apply for coverage

This renewal date applies to:

• Anyone who has coverage through the Marketplace.
• Anyone who applied for new individual/family coverage in 2014.
• Anyone who enrolled during  the past open enrollment period
• Any new policy effective between June and December as a result of a qualifying event.  Please click on the following link for examples of a qualifying event

If you have any questions please contact us at (740) 967-0210.

Written By: Bud Fassnacht, Your Insurance Specialist