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Emblem has released an e-bulletin Broker News Update - Last Day to Enroll: December 15 For January 1 Coverage - Recent Announcements from the Federal and State Governments. On November 14, 2013, President Obama announced that he would allow insurers to renew their existing health plans in the individual and small group markets for one more year, regardless of whether the plans meet the Affordable Care Act's (ACA) requirements for minimum essential coverage and the law's market reforms.

Each State has the authority to decide whether they will allow insurers to renew their existing non-ACA compliant plans. On November 18, 2013, various news agencies reported that New York would not renew plans that are not compliant with the ACA's requirements as of   January 1, 2014.