Health Insurance Open Enrollment: What You Need to Know
What Is Open Enrollment?
Open Enrollment is the annual period when you can enroll in, renew, or change your health insurance plan. Missing this window means you may have to wait until the next enrollment period unless you qualify for a Special Enrollment Period due to a qualifying life event.
Key Dates to Remember
The Health Insurance Marketplace Open Enrollment typically runs from November 1 through January 15. However, some states have extended deadlines. It's important to start exploring your options early so you can make an informed decision.
What to Consider When Choosing a Plan
- Monthly Premiums: How much you pay each month for coverage
- Deductibles: How much you pay before insurance kicks in
- Network: Whether your preferred doctors and hospitals are covered
- Prescription Coverage: Whether your medications are covered and at what cost
- Out-of-Pocket Maximum: The most you'll have to pay in a year
How Michael Can Help
Navigating health insurance options can be overwhelming. As a licensed independent agent with USA Benefits Group, Michael Aman can help you compare plans from multiple carriers, explain the differences in plain language, and find a plan that fits both your healthcare needs and your budget — at no additional cost to you.
Frequently Asked Questions
What happens if I miss open enrollment?
If you miss the open enrollment period, you generally cannot enroll in or change your health insurance plan until the next enrollment period, unless you experience a qualifying life event such as marriage, having a baby, or losing other coverage.