IMPORTANT OPEN-ENROLLMENT INFO AND DEADLINES
With Open Enrollment well underway, which started November 1st, 2022. Some important & key dates to be made aware of. The Federal Open Enrollment Period runs from November 1, 2022, through January 15, 2023, for health insurance coverage beginning in 2023. To get coverage starting January 1, 2023, you MUST sign up by December 15, 2022.
When does the Open Enrollment Period end?
The OEP for the federal exchange ends on January 15, 2023. With plans to start February 1, 2023, if enrolled between December 16 to January 15.
What are the exceptions to Open Enrollment?
Unless you experience a qualifying life event, the Open Enrollment Period is the only time you can enroll in health insurance plans. Suppose you suddenly lose health care coverage due to divorce, moving primary living to a different zip code, childbirth, or any other significant changes in your life. In that case, however, you may be qualified to enroll in a health plan during a Special Enrollment Period. A Special Enrollment Period will allow you to get health insurance for up to 60 days after a qualifying event for the remainder of the year. However, remember that you will not qualify for a Special Enrollment Period if you lose coverage because of failure to pay insurance premiums.
Is there an Open Enrollment for dental insurance?
There is no Open Enrollment for other insurance products, such as dental and vision.
Can I make a change to my marketplace plan outside of Open Enrollment?
No, you can't change your marketplace plan outside of Open Enrollment. However, you may need health insurance outside the Open Enrollment Period or are unsatisfied with your current health coverage selection. In that case, you may qualify for private health-based, medically underwritten plans that are available year-round. These plans, due to the healthier risk pool, rates usually are more affordable than the marketplace if you do not qualify for a subsidy. Also, there are select guaranteed-issued plans available outside of open enrollment. These options are limited.
What do I do if I have questions or need help picking a plan?
That's exactly where we step in. Our team of specialists are licensed in 32 states. Our primary job is to advise, educate and help pick a plan that will work best for you, your family, or your small business. Your health coverage will significantly impact your overall healthcare experience, so it's an important decision.
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