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  • The Details
    • What is Health Insurance
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    • The Basics
    • The Details
      • What is Health Insurance
      • Affordable Care Act
      • Types of Health Insurance
      • Key Insurance Terms
      • Enrollment and Savings
    • Articles
    • Contact Us
  • The Basics
  • The Details
    • What is Health Insurance
    • Affordable Care Act
    • Types of Health Insurance
    • Key Insurance Terms
    • Enrollment and Savings
  • Articles
  • Contact Us

Your Guide to Navigating Open Enrollment

Open Enrollment is Here—Are You Ready to Find the Perfect Plan?

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. 

What is Open Enrollment?

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.

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When is Open Enrollment?

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.

How to Navigate Open Enrollment

Review Your Current Coverage

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. 

Explore Your Options on the Marketplace

Visit the Health Insurance Marketplace to compare available plans side-by-side. Look for plans that balance affordability with the coverage you need. 

Check for Subsidies and Financial Assistance

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

Pay Attention to Deadlines

Missing the Open Enrollment deadline could leave you without coverage for the year. Set reminders to ensure you enroll on time. 

Get Help if You Need It

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. 

Call Now To See What You Qualify For

Tips for Choosing the Right Health Plan

Assess Your Healthcare Needs:

Consider your family’s medical history, expected doctor visits, and prescription drug needs.

Understand Plan Types:

Learn the differences between HMO, PPO, EPO, and POS plans to choose the one that works best for you. 

Compare Costs:

Don’t just look at monthly premiums—factor in deductibles, copayments, and out-of-pocket maximums.  

Check Provider Networks:

Ensure your preferred doctors, specialists, and hospitals are in-network. 

Get Help From A licensed Agent

What Happens If You Miss Open Enrollment?

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:

  • Losing existing coverage.
  • Getting married or divorced.
  • Having a baby or adopting a child.
  • Moving to a new state or area with different health plan options.

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Why Open Enrollment Matters

 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. 

Start Your Open Enrollment Journey Today

 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. 

Compare Plans Now

Don't Miss Out

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