Health coverage deadlines for January 1

Our benefits partners have set these dates for coverage starting January 1, 2027.

November 13: Initial documents due. The completed Build Document and Employer Onboarding Form, clean and complete. November 13 to 20: Enrollment systems built, 5 to 7 business days after documents arrive. November 23 to December 7: Open enrollment, once your system is built and tested. November 30: Remaining employer documents due, including carrier applications and agreements. December 7: Open enrollment closes, so employees receive member ID cards before January 1. January 1: Coverage effective, with member ID cards in hand.

If open enrollment runs past December 7, coverage on January 1 is not guaranteed. If initial documents arrive after December 7, the effective date may move to February 1, which could leave the group without coverage for January. Documents sent before November 13 move these dates earlier.

Next step: Join DNFA, sign your membership form, and start your dues payment, then send the health insurance form from your account.