Open enrollment begins on November 15. If consumers want to get coverage by January 1, they must enroll by December 15. Coverage cannot begin sooner than January 1. The open enrollment period lasts until February 15.
Coverage purchased before the 15th of the month (December, January, February), becomes effective the first of the next month. For example, coverage purchased on December 10, will go into effect on January 1. Coverage purchased after the 15th of the month, will become effective the month after the next month. For example, coverage purchased on December 20 becomes effective on February 1.