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

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

  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 17.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016.
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.
  • Open Enrollment ends January 31, 2016. 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 2015 Marketplace plan, your benefit year ended December 31, 2015. To continue health coverage in 2016, continue to pay your monthly payments. This will continue your current health plan.
  • If you don’t have health coverage in 2016, you may have to pay a fee. 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 $10,150 for an individual in 2014 is used to calculate the penalty. The maximum penalty is the national average premium for a Bronze plan.
    • $695 per person / $347.50 per child under 18. The maximum penalty per family using this method is $2,085.
    • 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.

FREE Sign-Up events in select markets

Signing up for a health plan doesn’t have to be complicated. No matter what your health and budget, you can find a Humana plan that’s right for you. And you may find out you qualify for a discount on the Marketplace

To find a FREE Sign-­‐Up Event in your area, visit

It’s free to speak with a licensed agent who can:

  • Give you one-on-one advice about the right plan for you and your family.
  • See if you qualify for any discounts.
  • Help you understand how to use your plan once you sign up.

Still have questions? Go to for more information.