ACA was signed into law in March of 2010, requires you to have insurance by 2014, expands Medicaid in 2014, and requires your employer to insure you by 2015. Open enrollment in the ACA marketplace goes from now until March 31st, 2014. Apply to the marketplace today and see if you qualify for subsidies. Insurance purchased through the marketplace before December 15th kicks in January 1st, 2014. Marketplace insurance can't start before 2014 since insurers would not be required to offer all the new benefits, rights and protections. Learn more about how to buy health insurance for 2014 by going to healthcare.gov or call our Benefits Office @ 1-855-234-6234