ACA Enrollment Deadline: Officially December 15, Nope

This is a bit misleading. Reason: you need to enroll by December 15th in order for a new plan (and premium) to take effect on January 1.

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Note: if you choose a new plan, then you need to actually PAY your first by December 31, 2021. While there is a grace period, that is not true for the first payment. If you do not make payment prior to December 31 for NEW plans, then your policy will be cancelled. In the months after January, your payment is subject to the state and carrier’s grace period rules, which can differ from state to state.