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important dates (subject to change)
November 15, 2014
Open enrollment begins for 2015 major medical insurance plans. For most people, this is the only opportunity to become covered in 2015.
January 1, 2015
Those who do not have major medical insurance in 2015 may have to pay a fine. According to healthcare.gov, the penalty for not having minimum essential coverage in 2015 is either 2% of your annual income or $325 per person, whichever is greater.
February 15, 2015
The open enrollment period ends, restricting your ability to purchase major medical insurance until the next open enrollment period unless you experience a ‘Qualifying Life Event.’