What is an Enrollment Period?

An enrollment period is a designated timeframe when individuals can sign up for or make changes to their health insurance coverage. These periods include annual Open Enrollment (typically November-December for marketplace plans), Initial Enrollment Periods (when first becoming eligible for Medicare or employer coverage), and Special Enrollment Periods triggered by qualifying life events like marriage, birth, or loss of other coverage.

Why enrollment periods matter

• Limits coverage changes: Outside these periods, you generally cannot enroll in or switch health plans
• Prevents adverse selection: Helps insurance markets remain stable by preventing people from enrolling only when sick
• Creates planning opportunities: Allows you to reassess and adjust coverage annually based on changing needs

How Solace can help

A Solace advocate can help you understand different enrollment periods, ensure you don't miss important deadlines, and identify qualifying events that might trigger special enrollment rights. Advocates can also assist with comparing plans and completing enrollment applications accurately.