Key takeaways
- Health insurance open enrollment varies by state.
- Colorado, Idaho, Nevada, and Utah all have slightly different deadlines.
- If you get health insurance from your employer, you may have a different open enrollment period.
Open enrollment is the annual period of time when individuals can enroll in, change, or renew their health insurance plans. If you live in Colorado, Idaho, Nevada, or Utah, your state’s open enrollment window may be different from other states’. To prepare, review your plan annually to ensure it continues to meet your needs and budget. Gather essential documents such as personal details, Social Security numbers, income information, and current health plan details for all household members.
Health insurance open enrollment is your chance to sign up for, change, or renew your health plan for the coming year. Learn when open enrollment is, what documents and information you’ll need, and tips for choosing a plan.
When is open enrollment for individual health insurance?
Open enrollment is the time for you to sign up for or make changes to your health plan. If you miss the window, you may have to wait a full year until you can get health coverage. Open enrollment happens at the end of the year, but the exact date depends on your state.
What to do before open enrollment begins
Before open enrollment begins, review your current health plan and check to make sure it still fits your needs.
Gather your documents, including your household income, current insurance coverage, and a list of your family’s healthcare needs. Make a list your doctors and medical providers to check if they are in network with the plan you choose.
Once you’ve reviewed everything, you’re ready to explore your options. Select Health offers a variety of plans designed to meet different needs and budgets. See your options by state on our plans page.
How to renew health insurance
Renewing your health insurance plan happens during open enrollment.
If you get your own insurance through the Marketplace
If you currently have a health insurance plan from the Marketplace and want to keep it for the upcoming year, you can reapply through the Marketplace or your broker. If you don’t change your insurance coverage by the open enrollment deadline, you may be automatically enrolled for the upcoming year.
Before open enrollment starts, you should receive two letters about your insurance before open enrollment: one from your insurance company and the other from the Marketplace.
Both should explain whether your current plan is available for next year and if you’ll be automatically re-enrolled. Additionally, they will tell you which documents you need to submit for your coverage application.
If you’ve qualified for cost savings in the past, such as subsidies or advance premium tax credits (APTC), you need to update your application each year. You qualify based on income verified by income tax information.
To update your information and reapply, log into your Marketplace account where you purchased your plan.
If you get insurance from your employer
When you get health insurance coverage through your employer, renewing your plan happens during your employer’s chosen open enrollment window. Some companies align it with the state’s or nation’s Marketplace open enrollment dates, but many opt for their own timeframe.
Talk to your manager or company’s HR department to find out when you can renew.
How to enroll in health insurance
For individuals and families signing up for health insurance independently, there are a few different options.
You can enroll through the online Marketplace in your state, the insurer’s website, or with help from an insurance broker.
To see the Select Health plans available to residents of Colorado, Idaho, Nevada, and Utah, visit our plans page.
If you want personalized help signing up for a Select Health plan, call our Sales Team at 855-442-0220. They can explain how each plan differs in costs and coverage so you can make the best choice for you.
This article is intended for informational purposes only and is not legal or medical advice. Links to other sites are provided as a convenience, but Select Health does not endorse the third-party sites, information, or services.
The content included here is for your information and not a substitute for professional medical advice. It should not be used to diagnose or treat a health problem or disease. Please consult your doctor if you have any questions or concerns. Additionally, this information does not guarantee benefits. To review your benefits, please reference your plan materials or call Member Services at 800-538-5038 weekdays, from 7:00 a.m. to 8:00 p.m., and Saturday, from 9:00 a.m. to 2:00 p.m., closed Sunday. TTY users call 711.
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