Answers Tough Obamacare Questions

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After the debacle of the Obama administration’s rollout, independent healthcare marketplace eHealth has emerged as an easier alternative that actually works, and which quickly and easily lays out all your insurance plan options after you enter just your birth date and gender. The plans are identical in price and structure as those on the government site. has also provided a series of helpful videos that tackle pressing concerns of insurance consumers.

“Will I be able to change plans anytime I want after 2014?”

A big concern of people shopping for insurance, especially those who have never done it before, is whether or not they’ll be able change their plan later on. The good news is that you won’t be locked into the plan you choose forever. But you only get one chance per year to change it. As eHealth points out, though, this may vary from state to state or insurer to insurer.

eHealth - Open Enrollment Ends Soon
Here’s a breakdown of dates you may need to know, according to federal guidelines:

  • First year: You can enroll during a six-month open enrollment period, which runs from Oct. 1, 2013, through March 31, 2014, for coverage that’s effective on Jan. 1, 2014, and after.
  • After the first year: The federal annual enrollment period will run from Oct. 15 through Dec. 7.
  • If you apply before Dec. 23, 2013: An exchange must guarantee your coverage is in effect by Jan. 1, 2014. (Deadline has passed)
  • If you apply between Dec. 23 and Feb. 28, 2014: You’ll be guaranteed an effective date either the first day of the following month, or the first day of the second following month.
  • If you apply between the 1st and 22nd day of March 2014: During the initial open enrollment period, you’ll have a guaranteed effective date of the first day of April 2014.

It’s easy to see all your plan options

Visit to plug in some simple information and see what’s best for you. It’s easy, fast, and the March 31 deadline is just around the corner.

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