When is Health Insurance Open Enrollment?

If you’re wondering when you can sign up for health insurance, it’s all about timing. Open Enrollment is the annual period when individuals and families can enroll in or make changes to their health insurance plans. Missing this window can mean waiting another year, unless you qualify for a Special Enrollment Period.

Here’s what you need to know:

For Marketplace Plans:

• Open Enrollment Period (OEP): Typically runs from November 1st to January 15th in most states.

  • If you want coverage to begin on January 1st, you must enroll by December 15th.

For Medicare:

• Medicare Open Enrollment: Runs from October 15th to December 7th. This is the time to review or switch your Medicare Advantage and Part D plans.

Employer-Sponsored Plans:

• The dates for Open Enrollment vary by employer. Check with your HR department for specific information.

Special Enrollment Period (SEP):

If you miss Open Enrollment, you may still qualify for a Special Enrollment Period if you experience a qualifying life event, such as:

• Losing other health coverage

• Getting married or divorced

• Having a baby or adopting a child

• Moving to a new area

Why It’s Important:

Open Enrollment is your opportunity to ensure you and your family have the health coverage you need for the year ahead. Whether you’re exploring new options or renewing your current plan, don’t let this crucial window pass by.

At Family Care of America, we’re here to help you navigate the process and find the plan that fits your needs and budget. Don’t wait—reach out to us today to get started!