Do the 15th of the month cut-off rules still apply to effectuate coverage using a Special Enrollment Period? October 09, 2020 11:57 Updated Yes, the 15th of the month effective date rules still apply for Special Enrollment Periods, unless otherwise specified. Related articles Will the new site allow you to term coverage on a future specific date? How do the advanced premium tax credits work with Pennie? The FFM is tax credits through the federal side. How are the tax credits paid through Pennie? If I moved my upline mid-year, will the business go to the new upline? Will the application be in a quick and easy format? How will 11/1 & 12/1 SEP’s done on FFM work to transfer the info to Pennie? Can't find your answer? Find local assistance or contact us.