One item from www.healthinsurance.org strongly suggests that your FL coverage would have to have been active through at least the end of December:
Outside of open enrollment (ie, if you’re enrolling due to a qualifying event), the regular schedule in all but two states works like this (unless you’re enrolling due to loss of coverage, marriage, or adding a dependent; these scenarios are discussed below:(
- If you enroll by the 15th of the month, your coverage will take effect the first of the following month.
- If you enroll between the 16th and the end of the month, your coverage will take effect the first of the second following month.
So an enrollment completed on May 9 would have a June 1 effective date, but an enrollment completed on May 17 would have a July 1 effective date.
Source: https://www.healthinsurance.org/faqs/if-i-enroll-in-the-exchanges-will-that-coverage-take-effect-imm...
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