Frequently Asked Questions about Open Enrollment

You have been waiting all year, and the time has finally arrived! November 1 is the start of OEP, the Open Enrollment Period for individual health policies. This is the time of the year for you to review your current health insurance plan to decide if changes are needed. Here are the top three questions we hear most often.

When will my policy begin?

Even if you enroll in a new plan during November or December, this plan will not begin until January 1. Typically, open enrollment will end January 15, but extensions may apply in some states. Those who enroll in January will have their policy begin February 1.

If I am happy with my plan, what do I need to do?

Although you may be happy with your plan, this is a time of year to review the new plan benefits, see if networks have changed and evaluate if the plan will continue to be the best fit for the coming year. If all those boxes are checked, then you need to do nothing.

If I have been uninsured, can I apply now?

Yes. This will be your opportunity to secure insurance for the coming year. Do a needs assessment to determine what is important when reviewing health insurance plan options. This will help your agent as they recommend options to meet your budget and usage needs

Using a trusted advisor will help answer these and other questions you may have as we begin this enrollment period. We are just a phone call away and ready to assist.