The sale of insurance products as a result of this web site must be for residents of California and with products approved for sale in California. CA LIC #6008657/ #0G23410
Employers can begin a new plan offering anytime throughout the year. Your plan effective date will be the first of the month following your application in most cases. If you already offer coverage there may be options to change mid  year.  
Contact for a custom quote based on employee ages and zip codes.
The  Open Enrollment Period begins  in November each year. Plans sold before  December 15th, during Open Enrollment will have an effective date of  January 1st.  Individuals with special qualifying life events can enroll at any time of the year. 
Palmer Financial and Insurance Services, LLC
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CA Lic# 0G23410
CA LIC# 6008657