A Breakdown of Deadlines Associated with the ACA

By: Anna-Lysa Gayle Email
By: Anna-Lysa Gayle Email

Harrisonburg, Va. (WHSV) With a major deadline approaching for the Affordable Care Act in less than a week and a few others after that, there are a few things you need to know.

"Only what I hear in the news and I would assume you could sign up for it as long as President Obama is in office," said Chuck McDermott, when asked if he has been paying attention to the deadlines associated with the Affordable Care Act.

With deadlines shifting around, insurance agents like Jonathan Coddington are having to keep on top of them.

"Obviously they keep changing things, so it's hard to keep them all straight," said Coddington, who is an agent with LD&B Insurance Services.

Right now if you log on to Healthcare.gov, you'll see that the deadline to enroll is December 23, 2013. Jonathan Coddington recommends that you follow that deadline, but there is also another deadline that he's keeping in mind.

That's a December 31, 2013 deadline for your first premium payment to your insurance company, unless stated otherwise by the provider.

That's if you want your coverage to begin on January 1, 2014.

"And then if the regulations do end up changing and they are allowing some flexibility, it won't affect you because you've already done what you needed to do," said Coddington.

Because of the many glitches with Healthcare.gov early on, many of the deadlines were extended for more people to enroll.

The deadline to get insured and avoid a penalty is March 31, 2014.

"Shared responsibility kicks in and if you don't have insurance then you're asked to pay 1% of your income or $95, whichever is greater," said Coddington, describing the penalty.

A lot of young people WHSV talked with didn't know the deadlines, because they said they were opting to stay on their parent's insurance plan.

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