Have 2014 open enrollment periods been finalized yet for inside AND outside the exchanges? I know no one can be denied enrollment for pre-ex, but will there be multiple, set times during the year people can enroll?

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The Department of Health and Human Services (HHS) issued a rule on May 29, 2012 detailing the open enrollment period for all federally-facilitated, state partnership and state-based exchanges.  The initial open enrollment will begin October 1, 2013 and end March 31, 2014.

With regards to plans outside the exchange, open enrollment periods will depend on each plan’s renewal date.  One requirement that employers and third party administrators should keep in mind is the new limit on coverage gaps.  There will be a 90 day limit on waiting periods for all fully-insured and self-funded plans starting on January 1, 2014.