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In order to get an Affordable Care Act (ACA) Plan, you must sign up during Open Enrollment. If you missed Open Enrollment, you can still get an ACA plan during Special Enrollment. You qualify for Special Enrollment if you, or someone in your household, recently experienced certain life events -- such as losing health coverage, changing jobs, getting married/divorced, having a child, death of a family member, change in disability status, or moving. Even if you are not able to enroll in an ACA Plan now, you may be able to enroll other plan.

Open Enrollment Period

The current Open Enrollment Period is November 1 to January 15. 

Most Americans sign up for an ACA plan during this time. If you previously signed up for coverage, you must re-enroll during Open Enrollment, even if you want to keep the same plan. For those happy with their current plan, Open Enrollment is also a good time to make updates to your plan, such as adding or removing dependents. If you are not sure about your Open Enrollment eligibility, please call/text (303) 990-5051 to check your options. 

This actually depends on how your specific company has chosen to set up its open enrollment process. If you

have selected an option that's referred to as "plan mapping," then the company will make automatic selections for

employees who fail to alter their health plans during the open enrollment period. Without alteration on the part of

the employee, the company will keep the individual in the same health plan or in the most similar health plan to

the individual's original selection. If that employee had previously declined coverage, the company will

automatically decline coverage once again.

However, if administrators at your company have not selected to "plan map," then any employee who does not

actively make a selection during the open enrollment period will be

declined coverage. This is even true for employees who had previously been enrolled in a health plan. These

employees would need to re-select their health plan to continue using it. If the employee fails to do so during the

open enrollment period, they can only enroll in health insurance if they experience a qualifying life event. It's

possible that the employer could submit an "exception request" for an employee who missed open enrollment;

this would be done through the employer's broker.

At open enrollment, you will be provided several options, 1) autorenew your plan, 2) enroll in a suggested plan, 3) shop for a new plan, or 4) opt out of renewal. We recommend that you review your plan for the following year during open enrollment as your needs may have changed. If you need our free assistance call/text (303) 990-5051.

All benefit changes should be made during open enrollment. Changes outside of this period can only be

processed if you've experienced a sufficient qualifying life event.

"Life events -- such as losing health coverage, changing jobs, getting married/divorced, having a child, death of a family member, change in disability status, or moving."

Right now, there are hundreds of different health insurance companies participating in the Exchange offering thousands of different plans. These companies are rated on a letter grading scale (A, B, C, etc.) based on their performance.

Their grade is calculated by attributes such as financial stability, claim payments, and customer service. You might also want to ask around among friends, family members, and colleagues. If their plans are working for them, they could work for you too. Here is a list of some companies that our partners work with: Aetna, UnitedHealthCare, Humana, Cigna, Anthem, and many others.

Carriers send ID cards about 7-14 days after the application has been approved. When a group is going through open enrollment, it is common to receive ID cards around 30 days after the effective date.

There are many factors that contribute to rate changes, such as plan designs, legally mandated benefits, ACA taxes, and more. The normal trend for medical insurance rates is an increase between 10-12% while dental and vision rates trend around a 2-4% increase.