Most people are unaware that yes Obamacare or Affordable Care Act open enrollment starts on October 1st with effective dates of Jan 1, 2012. That is for individuals and family plans. The Small Business open enrollment will start Jan 1,2014 with effective date of Mar 31, 2012. The majority of the people still don’t have a clue about their current plans and if they will continue through that start of ACA implementation. If your current plan was in place prior to Mar 1, 2010 your plan could be grandfathered but please check to see if the benefit level is increasing to match the new required Essential Health Benefits. If not, then your plan is on the old system of doing things. Please check with a knowledgable broker on the subject if you are unclear.