It's more than that. If someone decides to join into the program in December, say, then they have to pay premiums for the full year during which they join, the full calendar year. Yet they won't qualify until the next December. So they'll effectively have paid premiums for 23 months at that point. All I was suggesting here is that there could be pro-rating of the premiums for the first year.
On December 10th, 2009. See this statement in context.