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Broker Update | October 7, 2014
Broker Update | October 7, 2014

Dates to Know this Open Enrollment

Our goal is to keep you informed of key dates and deadlines this Open Enrollment. Below, you’ll find information regarding the Individual election period for purchasing products both on and off the NY State of Health exchange, as well as deadlines for both new and renewing community and experience rated groups.

Individuals – The Annual Election Period is November 15 – February 15.

On Exchange Off Exchange
  • Application due 12/15 for 1/1 effective date
  • 1st month’s premium due by 1/1/15 for 1/1 effective date
  • Application due by 12/25 for 1/1 effective date
  • Will receive a bill and must pay 1st month’s premium before coverage is effective


Commercial Groups – The Open Enrollment period starts November 1 for 2015

  New Groups Renewing Groups

Community Rated


  • New group paperwork due 30 days prior to effective date
  • 12/1 for 1/1 effective date for standard benefits
  • 60 days for non-standard benefit requests
  • Renewal paperwork is due 15 days prior to effective date
  • 12/16/14 for 1/1/15 effective date
Experience Rated
  • Standard benefit renewal paperwork is due 30 days before effective date
  • 60 days for non-standard benefit renewal

Please note that for both on and off the NY State of Health exchange, the Annual Rate Notifications are targeted for November 1, for January 1, 2015 effective dates.

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