Lauren Mandel and Elizabeth Fay
Obamacare Open Enrollment for individuals begins on November 1. you walked around a new plan, discuss your budget with your family, and I know you're ready to register for the right coverage when that date arrives.
But as we enter the third year of open enrollment under the Affordable Care Act, there are some changes you need to wait and prepare before the strike deadline. 
New Milestones
While last year's Open Enrollment also began in November, the registration period this year has changed slightly . You can start your registration on 1 November 2015, but you must have a new coverage by January 31, 2016.
Changes in contribution rates
rates of national contribution to an increase average of 4 percent. However, do not assume that you will pay more for coverage: Changes to rates vary according to location, from a 10 percent reduce in Seattle to 29 percent increase in Minneapolis. Make sure you evaluate all your options before enrolling in a plan.
Increases tax penalty
All Americans are required to have health insurance, and the penalty for going uninsured is increasing this year. If you choose to go without health insurance in 2016, you will face a fine of $ 695 or 2.5 percent of your income, whichever is greater. This represents an increase of $ 325 or 2 percent of your income for the past year.
tax subsidy Changes
Most buyers will be eligible for financial assistance from the federal government to help pay for their health insurance. This year, the income will qualify for financial aid have changed slightly, so make sure you receive your tax subsidy estimate before you enroll in a plan.
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