The once-a-year window to switch or start health coverage without a qualifying event.
Key Takeaways
- Dates are strict – miss them, wait a year
- Compare total cost, not just premiums
- Subsidies lower costs for many
What Is Open Enrollment
The once-a-year window to switch or start health coverage without a qualifying event.
Look Past the Premium
A cheap plan with a $9,000 deductible may cost more than a mid plan if you use care.
Subsidies
Marketplace plans often come with income-based discounts – almost always worth applying.
Quick Comparison
| Plan | Pick If |
|---|---|
| HMO | You want low cost, few doctors |
| PPO | You want flexibility |
| HDHP+HSA | You are healthy, want tax savings |
Frequently Asked Questions
What is a qualifying event?
Marriage, birth, job loss – they unlock special enrollment outside the window.
Is the cheapest plan best?
Only if you rarely see doctors; otherwise total expected cost matters more.