How Does Health Insurance Open Enrollment Work? 
During a health insurance Open Enrollment , you do not have to answer any medical questions when you apply for individual , family or business coverage . Your acceptance is virtually guaranteed regardless of any medical conditions you are being treated for or have been treated for in the past . In October of 2014 , an Open Enrollment will be available in all states as part of The Affordable Care Act . Applications can be submitted online through major reputable websites where you can easily review and compare plans . The effective date will be January and a federal tax subsidy may reduce your cost if you qualify . 