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Pay Attention To The Health Insurance Calendar To Avoid Surprises
National Public Radio

Mind the gap. When the 2015 open enrollment period begins on Nov. 15 for plans sold on the individual market, consumers would be wise to act promptly to avoid a gap in coverage.

Failing to do so could leave you exposed to unexpected medical bills. (Uh-oh, appendicitis!) And you could also be hit with a penalty for not having health insurance that kicks in if you go without coverage for three months or more during the year.

The coverage requirement applies to most people in group and individual plans, unless they qualify for a hardship or other type of exemption.