Many don’t realize that with the mandate for health insurance by Jan 1 that the ‘ramp up’ period is on!
Technically the window is 10/1 to 3/1/14 and then it is DONE! Yes, DONE until open enrollment just like Medicare Part C plans – Oct thru early Dec.
You don’t have the luxury after 3/31/14 of cancelling/changing/etc your individual plans unless there is a life event change (marriage, birth, divorce, etc).
You will then and can only then make changes year over year during that window in the fall.
You better know what you want and you better get it now!