On January 1, 2014, the most far-reaching provisions of the Affordable Care Act go into effect. Insurers will be required to accept all applications. This means that no longer can an individual be declined or “rated-up” for pre-existing health conditions in the personal health plans market.
Open enrollment for the exchanges (new health insurance marketplace) begins on October 1, 2013. However, we are still aiming at a moving target. Nobody knows exactly what the plans will look like.
