Question 1

What if I miss open enrollment?

Accepted Answer

You usually must wait until next year unless you have a qualifying life event, like losing coverage, moving, marriage or a new baby. Medicaid and CHIP accept applications anytime.

Question 2

Will my Marketplace plan renew automatically?

Accepted Answer

Often yes, but prices and help amounts may change. Log in and review it.

Question 3

When is open enrollment for health insurance?

Accepted Answer

Marketplace plans usually November 1 to January 15, Medicare October 15 to December 7, and job plans on dates your employer sets.

Question 4

What should I check during open enrollment?

Accepted Answer

Price changes, deductible and out-of-pocket max, whether your doctors and medicines are still covered, and, on the Marketplace, your income estimate.

Question 5

What happens if I do nothing during open enrollment?

Accepted Answer

Many plans renew automatically, but prices, networks and help amounts can change, so you may pay more than needed.

Question 6

Can I change plans after open enrollment ends?

Accepted Answer

Usually only with a qualifying life event like losing coverage, moving, marriage or a new baby.

Question 7

How do I compare health plans?

Accepted Answer

Add a year of premiums to likely deductibles and copays, and check networks and drug coverage.

Question 8

Where can I get free help choosing a plan?

Accepted Answer

Marketplace navigators for HealthCare.gov plans, and SHIP counselors for Medicare.

Common questions: Open enrollment