What will be the effective date of Johnny's active plan selection if he does not make a selection before December 15, 2024?

The effective date of a health plan selection during the open enrollment period is crucial for understanding how coverage starts. If Johnny does not make a selection before December 15, 2024, he will miss the deadline to enroll for coverage that begins on January 1, 2025.

In the Federally-facilitated Marketplace, if an individual does not enroll by this date, their coverage typically takes effect on February 1, 2025, as long as they make their selection before the end of the open enrollment period, which generally concludes on January 15, 2025. This timing helps ensure that individuals who may be moving in and out of coverage have a chance to secure insurance without a gap.

Thus, if Johnny fails to act before the deadline, February 1, 2025, will be the effective date of his plan selection, as it is the earliest date for which coverage can be established post-deadline.