The Department of Health and Human Services announced regulations last week that would allow states and insurers the option to renew plans that do not meet the consumer protections and other Affordable Care Act (ACA) requirements. Specifically, it allows renewal of non-compliant plans until October 1, 2016. This means that non-compliant plans could potentially remain in effect until well into 2017 as long as the policy year began before October 2016. Thus far 27 states, plus Puerto Rico and Guam, have allowed insurers to renew these plans. The Administration also announced that it was extending the 2015 open enrollment period to run from November 15, 2014 to February 15, 2015.