November 1, 2018: Open Enrollment started — first day to enroll, re-enroll, or change a 2019 insurance plan through the Health Insurance Marketplace.
December 15, 2018: Last day to enroll in or change plans for January 1, 2019 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
January 1, 2019: 2019 coverage starts, if you’ve paid your first premium.
January 15, 2019: Last day to enroll in or change plans for February 1, 2019 effective date.
In some instances, a producer may sell a product for an insurer but will not be compensated by that insurer or even from the carrier. Beginning January 1, 2018, Kaiser Permanente ceased compensating insurance producers for the sale of their individual and family health benefit plans. See Disclosure of Commission Schedule Per Carrier for Individual and Family Policies.
The compensation an insurance producer receives may come from the insurer’s parent or other affiliate, or from a third party. Therefore, an insurance producer may charge a fee for the sale of an individual health benefit plan when:
- The insurance producer does not receive commission from the carrier for the individual health benefit plan being sold; and
- The insurance producer provides the notice of this regulation prior to the sale on an individual health benefit plan.
The fee charged for the sale of an individual health benefit plan shall be the same for both on-exchange and off-exchange individual health benefit plans.
An insurance producer charging a fee for the sale of an individual health benefit plan is soliciting or negotiating an application for insurance on behalf of the carrier offering the individual health benefit plan and the insurance producer represents the carrier, not the consumer, in any dispute between the carrier and the consumer.