It’s hard to believe open enrollment for 2016 coverage is here already. It seems like just yesterday I was renewing my 2015 coverage. It’s amazing how quickly a year can pass when you have the peace of mind that comes with knowing you have the coverage you need if you get sick.
Whether you’re enrolling for the first time or renewing your current coverage, there are a few key details you need to know for 2016 open enrollment.
Open enrollment dates are different than last year.
Don’t worry! You still have three months to renew coverage or choose a new plan.
Key dates for 2016 enrollment:
- Nov. 1, 2015: Open enrollment started—first day you can enroll for 2016 coverage. Coverage can start as soon as Jan. 1, 2016.
- Dec. 15, 2015: Last day to enroll in or change plans for new coverage starting Jan. 1, 2016.
- Jan. 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15, 2015.
- Jan. 15, 2016: Last day to enroll in or change plans for new coverage starting Feb. 1, 2016.
- Jan. 31, 2016: 2016 open enrollment ends. Enrollment or changes between Jan. 16-31 take effect March 1, 2016.
You must enroll no later than Jan. 31, 2016.
In order to have health coverage for the 2016 calendar year, you must enroll for coverage no later than Jan. 31, 2016. Even if you signed up during the last open enrollment period, you must renew your plan or sign up for a new one.
If you don’t enroll by Jan. 31, 2016, you will not be able to enroll in 2016 coverage unless you qualify for a Special Enrollment Period (SEP). You qualify for a SEP 60 days following major life events, such as marriage, divorce, birth, adoption, job status change, or loss of other minimum essential health coverage. Loss of coverage cannot occur due to rescission, failure to pay premiums on a timely basis, or voluntary loss of coverage.
If you don’t have coverage yet, don’t wait!
For more information on plans available to you, check out our individual and family health insurance plans. To get a free, no-obligation quote, fill out our online Get a Quote form. If you’re ready to apply, contact your local agent, enroll right now, or visit www.healthcare.gov today.
Questions about health plan options? We’re here to help!
Call to have one of our licensed health insurance agents find the solution for you at 1-800-811-1670, Monday-Friday 7 a.m. to 6 p.m., and Saturday 9 a.m. to 5 p.m.