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I don't think there will be an extension...how many days will the carriers need for 1/1? With all the issues, even the 15 days are a challenge for them...
Dorado, last year, HHS directed insurers to do a contorted extension that featured a retroactive effective date. Check it out...
December 16, 2013
"The nation's health insurance industry decided Wednesday to extend the deadline until Jan. 10 for Americans to pay for coverage that starts on New Year's Day, as enrollment through the new federal and state insurance marketplaces appears to be surging." (There's that S word!)
Ref: Insurers volunteer to extend payment deadline for health-care coverage to Jan. 10 - The Washington Post
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