# Insurance (GIN)

## Title 15. Health Insurance

### Subtitle 13. Maryland Health Insurance Portability and Accountability Act -- Individual Market Reforms

#### Section 15-1317

(a) A carrier that sells health benefit plans to individuals in the State shall establish an initial open enrollment period that begins October 1, 2013, and extends through March 31, 2014.

(b) A carrier shall accept all applicants who apply for coverage during the initial open enrollment period.

(c) If an application is received by a carrier during the initial open enrollment period, coverage for the applicant shall begin no later than:

  (1) January 1, 2014, if the application is received on or before December 15, 2013;

  (2) the first day of the following month, if the application is received between the first and fifteenth day, inclusive, of January, February, or March; and

  (3) the first day of the second following month, if the application is received between the sixteenth day and the last day, inclusive, of December, January, February, or March.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)