Can I Upgrade My Health Insurance? 
Since there is now an Open Enrollment Period , you must wait until the next Open Enrollment to change your plan . Open enrollment for the upcoming year runs from 11/15/14 - 2/15/15 . The earliest effective date is Jan 1st , 2015 . There are a few exceptions which enable you to buy/change outside open enrollment , such as a change in income which would alter your subsidy . 