Open Enrollment is the annual period when individuals and families can sign up for health insurance or make changes to their existing coverage. It’s your opportunity to ensure you have the coverage you need for the year ahead. With the right guidance, navigating Open Enrollment can be simple and stress-free.
Open Enrollment is the designated time each year when you can: enroll in a new health insurance plan, change your current plan, update your information to see if you qualify for subsidies or savings.
For most people, Open Enrollment is the only time you can enroll in Marketplace health insurance unless you qualify for a Special Enrollment Period due to a life event like getting married, having a baby, or losing coverage.
To ensure your coverage begins on January 1, you must enroll by December 15.*
*Extensions may be granted to enroll after December 15 for a start date later then January 1 but are not guaranteed.
If you already have insurance, take a close look at your plan’s benefits, costs, and network. Consider whether it still meets your needs or if changes are necessary.
Visit the Health Insurance Marketplace to compare available plans side-by-side. Look for plans that balance affordability with the coverage you need.
Many people qualify for Premium Tax Credits or Cost-Sharing Reductions to lower their health insurance costs. Be sure to update your household and income information to see what savings you’re eligible for. Learn more here
Missing the Open Enrollment deadline could leave you without coverage for the year. Set reminders to ensure you enroll on time.
Navigating Open Enrollment can be overwhelming, but you don’t have to do it alone. Licensed insurance agents, brokers, and Marketplace Navigators are available to help you find the right plan.
Consider your family’s medical history, expected doctor visits, and prescription drug needs.
Learn the differences between HMO, PPO, EPO, and POS plans to choose the one that works best for you.
Don’t just look at monthly premiums—factor in deductibles, copayments, and out-of-pocket maximums.
Ensure your preferred doctors, specialists, and hospitals are in-network.
If you miss the Open Enrollment period, you won’t be able to sign up for health insurance unless you qualify for a Special Enrollment Period. Qualifying events include:
Open Enrollment ensures you have access to the healthcare coverage you need, protecting you from unexpected medical expenses and giving you peace of mind. Whether you’re enrolling for the first time or looking to update your plan, this is your chance to secure affordable and reliable health insurance.
Don’t wait—Open Enrollment only comes once a year, and the clock is ticking. Take control of your healthcare and explore your options today.
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