For direct pay individuals: Always select the month of January
for your coverage start date even if you are purchasing in a different month. You will receive an error message if you choose a different month.
For members with coverage through an employer:
Your coverage start date must match your employer's effective date of coverage. For example, if your employer offers medical health insurance effective January 1, 2013, but you become eligible for medical insurance mid-year, you still need to select January, 2013.