On October 1, the North Carolina exchange will be open. On that date, you can start comparing the various plan options available to you. Enrolling before December 15th, will guarantee a January 1, 2014 effective date. Why get coverage? Because the law will limit when you can purchase insurance. You can not purchase car insurance after you have had a wreck; the same will apply to health insurance after 2014. We believe it’s in people’s best interest to choose a plan. Depending on the subsidy level, the plan premium could be very affordable.