Created: 04/03/2014 7:00 AM WHEC.com
Open enrollment on Healthcare.gov is over but what happens now if you don’t have health insurance?
If you're not insured by January 1, you will have to pay a fee on your 2014 tax return. That fee will be prorated if you get insurance at some point.
You can still enroll through the marketplace if you have a qualifying life event like losing other coverage, having a baby or a change in your marital status.
Some private insurance companies may sell health plans outside the marketplace that qualify as "minimum essential coverage" but at this point you would not qualify for tax credits or lower out of pocket costs for those plans.
Open enrollment for 2015 coverage begins November 15.