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Your letters March 13

Closed enrollment might leave you without coverage

Your chance to enroll in health insurance closes on March 31. That's the day when open enrollment becomes closed enrollment.

The law states that everyone must have health insurance after April 1. If you do not, you will have to pay a tax penalty to the IRS in 2015.

Except for what the IRS calls "life events" (such as marriage, divorce, birth or adoption of a child, moving to a new residence, or loss of a job), you will not be permitted to buy health insurance until October of 2014. And your new insurance will not be effective until Jan. 1, 2015.

You can get help at no cost to you while enrolling in a health plan. Licensed professional health insurance agents are ready to help.

Toby Pierce

Toby Pierce and Associates