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4 Things to Consider During Open Enrollment

Open Enrollment has officially begun! From now until January 31, you can enroll in a health insurance plan or make changes to your current plan. You can do this by logging into the Covered California website, or by visiting us in our office. We’ll be happy to help you compare plans and make a final choice. But first, you should check out these four tips for the health insurance Open Enrollment season, because they can help you get started with making those decisions.

Health insurance form with stethoscopeConsider the date that your new policy becomes active. Open Enrollment lasts through January 31, but getting an early start means your new policy becomes active sooner. To have health insurance by January 1, you must sign up by December 15. If you wait until later, your new policy won’t take effect until February or even March.

Consider needs for the following year. Your current policy might work just fine for you, but are you considering any big changes in 2017? For example, those who are trying to get pregnant might be better served by switching to a plan with a lower deductible. You might also ask yourself whether you need dental insurance, or if you might be facing surgery next year.

Think about your deductible. Have you been going to the doctor a lot in the past few years? If not, you might benefit from switching to a plan with a higher deductible but lower premium.

Know what to bring. If you schedule an appointment to discuss your health insurance needs, bring each family member’s birth date and last year’s tax return.

If you have any questions about health insurance Open Enrollment, give us a call! We’re a Covered California storefront, and we’ll be happy to guide you through this process.