When Does Open Enrollment End
Finding the right health insurance policy is important. Not everyone has the same needs. Insurance policies can be written to provide you with what you need, or you can opt for a policy through your employer that provides you with a package that is similar to what other employees receive. The open enrollment window that allows you to change or upgrade your policy only comes once a year. The representatives of the Hummel Group will help you navigate the process.
What Does Open Enrollment Mean?
Insurance companies offer open enrollment periods so that people can adjust their policies as necessary during specific times of the year. This makes it easy for them to stay up with the paperwork and ensures that a person has the amount of time they need to consider their decision before they make it. During open enrollment, people can add a family member to their policy, change their coverage or purchase/ cancel a policy. For most, the open enrollment period for 2019 starts on November 1 and ends on December 15. A few exceptions include:
- California: November 1, 2019 – January 15, 2020
- Colorado: November 1, 2019 – January 15, 2020
- Massachusetts: November 1, 2019 – January 23, 2020
- Minnesota: November 1, 2019 – December 23, 2019
- New York: November 1, 2019 – January 31, 2020
- Rhode Island: November 1, 2019 – December 23, 2019
- Washington DC: November 1, 2019 – January 31, 2020
What Is Special Enrollment?
There are special enrollment exceptions that allow you to enroll or change your policy outside of the normal open enrollment window. These exceptions often have to do with life-changing events such as the death of a spouse, the birth of a child, a divorce/marriage, changing jobs or moving away, or you are old enough to have your own policy. Because these events happen randomly, the special enrollment exception will immediately go into play. It's important to remember that these special enrollment exceptions can't always be utilized. If you were dropped from a policy because you didn't make the premiums or if you volunteered to cancel your existing coverage, you may be ineligible to qualify for these exceptions. In most cases, you must be in good standing with your existing insurance policy if you want to be able to utilize these exceptions.
What Hummel Can Do
Representatives at the Hummel Group understand that each person has individual needs when it comes to their health insurance. Things have changed and not everyone will fit neatly under one blanket policy. It is essential that each person is evaluated on an individual basis. The quoting process used by the Hummel Group only takes 20 to 30 minutes to complete and provides us with the information we need to provide you with the right type of coverage. Trained specialists will look over every detail and formulate a health insurance policy that not only meets your needs but exceeds your expectations.
When Does Open Enrollment End?
Open enrollment normally ends six weeks after it starts. With the start date on November 1, that means open enrollment for most states will be on or near December 15. There are a few states that have extended their open enrollment dates. If you live in one of the states listed above, you will need to check your state's open enrollment dates to find out exactly when the final date is. Understanding how open enrollment works and what the requirements and guidelines are will help you make the best decisions for your individual needs. If you have any questions about open enrollment or how it will affect you, talk to your insurance agent today!