Fall heralds the beginning of Open Enrollment and perhaps some delightful pastimes—like dressing up your feline friend in amusing Halloween costumes. However, while Open Enrollment might not have the allure of a cat dressed as Patrick Swayze, its significance can’t be understated.

Open Enrollment is the critical window for you and your family to choose health insurance plans from the individual Marketplace. You can buy, switch, add members to your health insurance, or even obtain subsidies to offset insurance costs.

📌 Ready to explore your options? Visit Plans for Life or call us at 📞 915-591-1957 for guidance.

Open Enrollment 2023 Checklist

OCTOBER 1 – NOVEMBER 1

• Assess your 2022 medical history and anticipated 2023 medical needs.
• Calculate your 2023 household income for tax credits or Medicaid eligibility.
• Prioritize doctors, medications, and medical facilities you can’t do without.
• Determine who should be included in your plan.
  • Evaluate if a family plan suits you and your spouse.
  • Consider insurance options for your children: through you or other avenues like school or work.
• Compile essential ID numbers for everyone to be included in your plan.
• Research insurance companies and the types of plans (EPO/PPO/HMO/POS) they offer.
• Based on health and financial considerations, decide on a plan level—Bronze, Silver, Gold, Platinum, or Catastrophic.

NOVEMBER 1 – JANUARY 15

• Starting November 1, begin the enrollment process:
  1. Via HealthCare.gov or your state’s Marketplace, especially if you’re eligible for financial aid.
  2. Through private insurance firms.
  3. Via an insurance broker.
• Finalize your 2023 HSA contribution if applicable.

JANUARY 15 – JANUARY 31

• Settle your initial premium bill before January 15 to activate your plan.
• Aim for autopay enrollment to ensure timely payments and uninterrupted coverage.
• Familiarize yourself with the nuances of your chosen plan.

🌐 Considering health insurance? Dive into our plan options tailored just for you.

Have you missed Open Enrollment? Here’s What You Need to Know Post Open Enrollment, insurance is still available if you undergo a significant life change—like relocation, marriage, childbirth, or job transition. This gives you a 60-day Special Enrollment window.

Without a significant life event, your next chance is during the subseyear’s Open Enrollment. It meanwon’t won’t have health coverage for 2023. Need assistance or have queDon’t Don’t hesitate—visit us online, call 📞 915-591-1957, or swing by 📍 806 Ange St., El Paso, TX 79902.

🔔 Remember: Health is wealth; the right insurance plan is your safeguard. Let Plans for Life assist you in making the best choice!