Don’t wait! The open enrollment period is almost over.

Young woman and man using laptop to pay bills

Here are some important dates you need to keep in mind.

  • November 1, 2016: Open Enrollment begins
  • January 1, 2017: 2017 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2017: Last day to enroll in or change plans for new coverage to start February 1, 2017.
  • January 31, 2017: 2017 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2017.
  • Open Enrollment ends January 31, 2017. If you haven’t enrolled in a health insurance plan by then, you generally can’t buy Marketplace health coverage until the next Open Enrollment Period for coverage the following year.
  • If you were enrolled in a 2016 Marketplace plan, your benefit year ended December 31, 2016. To continue health coverage in 2017, continue to pay your monthly payments. This will continue your current health plan.
  • You are required by Federal law to have health coverage. If you don’t have health coverage in 2017, you may have to pay a fee. The fee is sometimes called the “penalty”, “fine”, or “individual mandate”. Generally, the fee is the higher of these two amounts*:
    • 2.5% of your yearly household income. Only the amount of income above the tax-­‐filing threshold, about $10,300 for an individual, $20,600 for couples filing jointly in 2015 (the most recent year available) is used to calculate the penalty. The maximum penalty is the national average premium for a Bronze plan.
    • $695 per adult / $347.50 per child under 18. The maximum penalty per person is $2,085.
    • If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all.
    • You’ll pay the fee on the federal income tax return you file for the year you don’t have coverage. Most people will file their 2016 returns in early 2017.

*This is the tax information for the 2016 tax year and could change. Visit for any update.