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Frequently Asked Questions about Open Enrollment

happy familyWith the health insurance Open Enrollment period rapidly approaching on November 15, you may find yourself asking questions about what you need to do during this time. The following are some of the most frequently asked questions concerning Open Enrollment.

Do I have to change my plan? No. If you like your health insurance plan just the way it is, you probably don’t have to do anything at all. It will automatically renew.

What kind of changes can I make to my health insurance plan? During Open Enrollment, you can:

  • enroll in a new plan if you don’t currently have health insurance
  • switch to a different health insurance plan
  • add new dependents to your policy – though if you get married or have a baby, you don’t have to wait until Open Enrollment to get them covered on your policy
  • delete dependents from your policy – for example, if your adult child just got a job and now has their own health insurance policy through their employer

How do I sign up for health insurance? If you’re covered under an employer-sponsored health care plan, or if your employer has decided to institute a plan, you will receive information from the human resources department at work. If you aren’t covered by your employer, or if your employer is dropping your coverage, you can sign up through Covered California.

Is health insurance expensive? Your health insurance premiums will depend upon the plan selected. If you’re purchasing your own insurance through Covered California, you may be eligible for subsidies to help you pay the premiums. These subsidies are based on your family size and completely.

When will my plan take effect? Any changes you make to your current plan will take effect on January 1, 2015. If you sign up for a new health insurance plan, you can begin accessing your benefits on January 1.

When is the next Open Enrollment period? Not until next fall. If you want to make changes to your health insurance plan, now is the time to do it!