What is Open Enrollment Period?

Open Enrollment Period is the annual window when anyone can enroll in or change their health insurance coverage without needing a qualifying life event. For ACA marketplace plans, this typically runs from November 1 to December 15 (with some state variations), while employer-sponsored plans and Medicare have their own designated periods. During open enrollment, you can switch plans, add or drop coverage, and make changes that take effect the following year.

Why open enrollment periods matter

• Provides guaranteed access: Ensures everyone can obtain or change coverage regardless of health status
• Allows plan reassessment: Enables annual review of coverage needs and costs
• Sets coverage for the year: Decisions made during this period generally lock in your benefits for 12 months

How Solace can help

A Solace advocate can help you prepare for open enrollment by reviewing your current coverage, comparing available plans, and identifying options that best meet your healthcare needs and budget. Advocates can also assist with enrollment applications and ensure you meet all deadlines.