Every year, the Open Enrollment period provides an opportunity to enroll in or modify your health insurance plan through the Health Insurance Marketplace. This is an ideal time to review your coverage and ensure it meets your healthcare needs and budget.
When is Open Enrollment?
Typically, Open Enrollment runs from November 1 to January 15, but these dates can vary by state. Being aware of your state’s specific dates and plan options will help you prepare in advance.
| State | Open Enrollment Period |
|---|---|
| All other states | Nov. 1 to Jan. 15 |
| California | Nov. 1 to Jan. 31 |
| Idaho | Oct. 15 to Dec. 15 |
| Maryland | Nov. 1 to Dec. 15 |
| Massachusetts | Nov. 1 to Jan. 23 |
| New Jersey | Nov. 1 to Jan. 31 |
| New York | Nov. 16 to Jan. 31 |
| Rhode Island | Nov. 1 to Jan. 31 |
| Washington, D.C. | Nov. 1 to Jan. 31 |
During Open Enrollment, you can either keep your current plan or choose a new one that better suits your needs. The Health Insurance Marketplace, established by the Affordable Care Act (ACA), provides a range of plans to compare based on price, benefits, and provider networks. Plans are categorized into four “metal” levels: Bronze, Silver, Gold, and Platinum, which differ mainly in cost-sharing.
| Plan Level | Monthly Premium | Deductible | Best for |
|---|---|---|---|
| Bronze | Lowest | Highest | Preventive care and emergencies |
| Silver | Moderate | Lower than Bronze | Those eligible for cost-sharing reductions |
| Gold | Higher | Lower than Silver | Regular medical care |
| Platinum | Highest | Lowest | Frequent medical care and maximum coverage |
How Can I Save on Insurance During Open Enrollment?
Financial assistance is available to many enrollees. In 2021, nine out of ten people who enrolled received health insurance subsidies to reduce their premiums. To determine if you qualify for subsidies, check your eligibility on the Marketplace website.
What Happens if I Miss Open Enrollment?
If you miss Open Enrollment, you may still qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event. Common qualifying events include:
- Getting married
- Having or adopting a child
- Losing other health insurance
- Divorce or legal separation
- Death of a spouse or partner who provided insurance
Supplemental Coverage Options
Additional coverage, such as dental, vision, accident, critical illness, and hospital recovery insurance, can be added at any time throughout the year, not just during Open Enrollment.
Receive Assistance During Open Enrollment
Anthem provides support during Open Enrollment to help you navigate your options and find a plan that fits your lifestyle and healthcare needs. Don’t hesitate to reach out for help to ensure you make the best choice for you and your family.
For more information, contact your state’s Health Insurance Marketplace or visit the official ACA Marketplace website.
