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Learn more about open enrollment and how it keeps healthcare costs so low, and why health share is becoming such a popular choice for many in our handy guide, “Ultimate Guide To Open Enrollment”.
In addition to this guide, we’ll put you in contact with open enrollment experts who can guide you with information and pricing from top Christian healthcare providers.
"Frequently Asked Questions" about annual open enrollment.
Annual Open Enrollment is a period of time each year when individuals and employees can sign up for or change or drop (if your insurance plan is provided by an employer) their health insurance coverage.
If you don't sign up for health insurance during Open Enrollment, your options are limited until the next Open Enrollment period, unless you experience a qualifying event.
If you’re eligible and apply for health insurance during Open Enrollment, the insurance plan must insure you. The company is not allowed to use medical underwriting or require evidence of insurability, both of which could make it harder for you to get health insurance.
Enrollment dates vary by state and based on the insurer that oversees the plan. Check your state requirements to see your deadline.
In almost all states, open enrollment will start on November 1 and end on December 15. There are 13 fully state-run exchanges that run their own enrollment platforms and have the option to add additional time before or after the regularly scheduled Open Enrollment period.
There are also three state-run exchanges (California, Colorado, and Washington DC) where Open Enrollment has been permanently extended. And Pennsylvania, which has a state-run exchange for the first time.
- Washington DC: Open enrollment permanently set at November 1 to January 31.
- California: Open enrollment permanently set at November 1 to January 31.
- Colorado: Open enrollment permanently set at November 1 to January 15.
- Pennsylvania: Open enrollment for 2021 set at November 1 to January 15.
Once Open Enrollment ends, you won't have an opportunity to enroll or make changes to your coverage for 2021 without a qualifying event.
If you are not interested in a fee-for-service plan or are unable to get coverage under a traditional plan, you still have options. You can set up a health savings account, utilize short-term health plans (available in all but 10 states), look into Farm Bureau plans if you live in Kansas, Tennessee or Iowa, or join a rapidly growing healthcare option like a like a health share ministry program. Health share programs unite members with common ethical or religious beliefs to facilitate voluntary sharing of eligible medical expenses. These programs access to top medical professionals.
While traditional healthcare plans are administered through employers, there are other healthcare options. The government has a healthcare insurance marketplace where you can seek coverage regardless of employment status. Health share ministries are also a great option for healthcare. These non-profit organizations are for people with shared religious or ethical values and provide access to more affordable healthcare.