Preparing for Open Enrollment
National Open Enrollment is your once-a-year opportunity to make changes to your Marketplace (ACA or Obamacare) health insurance plan, so it’s important to be prepared. Whether you're selecting a new plan or renewing your current coverage, taking the time to review your options can help you find the best fit for your needs and budget. Start by assessing your current healthcare usage—think about how often you visit the doctor, what prescriptions you take, and if any major medical expenses are expected in the coming year. This can guide you in choosing between a plan with higher premiums and lower out-of-pocket costs, or vice versa.
When you are searching, be aware of which sites will sell your personal information to 3rd parties. Protecting your personal information saves you a ton of unsolicited phone calls. Asking a licensed agent to help you search is the best way to protect your personal information.
One of my top tips for National Open Enrollment is to take advantage of available resources. Many insurance companies offer online tools to compare plans side by side. You can also contact me directly for personalized advice—I’m here to help you navigate the process and make informed decisions. Be sure to check if your preferred doctors and hospitals are still in-network, and look into any added benefits your plan might offer, like wellness programs or telemedicine services.
Lastly, don’t wait until the last minute to make your decisions. Open Enrollment periods don’t last forever, and it can be easy to overlook details if you're rushed. Give yourself time to fully review your options so you can select the right plan for the year ahead.
