[jonno]

The answer is none.

I believe you are correct - but only for the reason that coverage doesn't start until Jan 1, 2014.

Thus, the first premium will not be owed until Jan, 2014.

Someone please correct me if I've got this wrong...

[steve86]

As the CNN article linked above states, the first month's premium has to be received and processed by the effective starting date of the policy. The actual due date in my experience has always been by the third week of the preceding month, but in this case some insurers are accepting up to the last day of December.