if you apply for insurance before december 23rd your plan will take effect january 1 2014. if you think you'll have your current plan through january you'll want to sign up by january 15 to have a plan in place by february 1st.
i will be dropped from health coverage by a soon-to-be ex-spouse. . this may not occur by december 31st and may run over to january 2014. may i apply now anyway?