Do review your current health insurance plan to ensure it still meets your needs.
Do compare different plans, including premiums, deductibles, and coverage options.
Do make sure to enrol or renew your coverage during the designated Enrollment Period to avoid gaps in coverage.
Do seek help from insurance experts or navigators if you have questions or need assistance.
Do check if you qualify for any subsidies or financial assistance.
Don't miss the Enrollment Period deadline, as you may have to wait for the next Enrollment Period.
Don't assume your current plan will automatically renew; review and confirm your choices.
Don't overlook changes in your healthcare needs or prescription medications; update your plan accordingly.
Don't forget to consider all out-of-pocket costs when comparing plans, not just premiums.
While the exact dates for Annual Enrollment Period may vary, they are usually as follows:
During this time, you can enrol in, or make changes to your Medicare Advantage and Medicare Prescription Drug Coverage.
These changes apply from January 1st of the following year.
⚠️ NOTE: For Affordable Care Act (ACA) health plans, the Enrollment Period usually runs from November 1st through December 15th.
Missing the Enrollment Period deadline may limit your ability to enroll in or change your plan. You may need to wait until the next Enrollment Period unless you qualify for a Special Enrollment Period (SEP).
Yes, certain life events, like marriage, childbirth, or relocation, can trigger a Special Enrollment Period (SEP) allowing you to change your plan outside of Enrollment Period.
While it's a good practice to review your plan annually, you are not obligated to make changes if your current plan still meets your needs.
Yes, depending on your income and eligibility, you may qualify for subsidies and financial assistance through the Health Insurance Marketplace or Medicare.
Yes, Enrollment Period is the time when you can make this switch, as well as adjust your Medicare Part D prescription drug coverage.