For January 1st, 2018 effective dates, all new business group and individual health applications must be received by KAFL by the following dates:


Due Date

Aetna December 10th
BlueCross BlueShield WNY December 15th
Excellus December 15th
Independent Health December 15th
MVP December 15th
Univera December 15th
United/Oxford December 31st

New York State has extended the open enrollment season for individuals until March 1st, 2018.  Application deadlines are as follows:*

Effective Date Due Date
February 1, 2018 January 15th
March 1, 2018 January 31st

*Individuals who do not enroll by January 31st are considered late entrants and will require a qualifying event in order to receive a special enrollment period.  Examples of qualifying events are: marriage/domestic partnership, newborn child, newborn adoption/proposed newborn adoption, non-newborn adoption/proposed adoption/legal guardianship, subscriber deceased, involuntary loss of coverage, involuntary loss of coverage for a dependent child, permanent relocation.

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