Federal Open Enrollment Reminder
Posted on October 22, 2019
Small Group Federal Open Enrollment Reminder
- 11/15/19 through 12/15/19 all carriers (NO EXCEPTIONS)*
The Affordable Care Act (ACA) requires health insurers to offer a one-month Special Open Enrollment Period, where eligible small groups can enroll in coverage without having to meet standard employer-contribution and/or employee-participation ratios. The Special Open Enrollment Period allows eligible small groups to enroll for coverage for a 1/1 effective date in every state. Additional effective dates in November and December are available but vary by state and carrier.
Contact your PGP Employee Benefits Consultant to confirm effective dates for Federal Open Enrollment.
We will update you with carrier specific rules as they become available to us.
Submission Deadlines for Small Group Federal Open Enrollment
A group application must be fully submitted to the carrier between 11/15 and 12/15 or the group will be subject to participation and contribution requirements. There are NO EXCEPTIONS to this rule.
*Please note that Members Health Plan is a Multiple Employer Welfare Arrangement (MEWA) which is NOT classified as a carrier. Therefore they do not have to comply with the Federal Open Enrollment requirement for small groups.
Individual Federal Open Enrollment Reminder
Under the Affordable Care Act (ACA), federal open enrollment for individuals is the period that people who need health insurance can sign up for an individual insurance plan. Unless someone experiences a “qualifying event” outside of the open enrollment period, open enrollment is the only time to sign up for individual health insurance under the Affordable Care Act.
- The 2019 Open Enrollment Period for individual plans runs from November 1, 2019, to December 15, 2019.
- Plans sold during Open Enrollment start January 1, 2020