What’s open enrollment?
It’s the period each year when you can enroll in an individual or family health insurance plan. You can also change your existing coverage.
Some states may extend their enrollment period. Be sure to check the rules for your state.
The Affordable Care Act, or ACA, set up the Health Insurance Marketplace® to make it easier to compare and enroll in health coverage.
What a Health Insurance Marketplace plan covers
The ACA requires Marketplace plans to cover 10 categories of services.
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Doctors
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Pregnancy and childbirth
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Rehabilitation services and devices
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Inpatient and outpatient
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Mental health and substance disorders
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Pediatric dental and vision care
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Emergency
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Labs
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Preventive and wellness
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Prescription drugs
Need help paying for coverage?
You may qualify for federal help to pay for health coverage. For more details and to check your eligibility, visit the subsidy calculator Opens in a New Window.
Health insurance open enrollment FAQ
To apply, you’ll need to have personal information for your household:
- Social Security numbers
- Employer details
- Household income
- How you file your taxes
You should also start thinking about how much you spend each month on health insurance premiums and the type of coverage you need.
Usually when you turn 26, your coverage ends. If you can, find out if your parent’s plan is a Marketplace plan or a job-based plan before you turn 26 so you understand your options.
For help understanding your options, call 855-386-2350.
Most states offer a Special Enrollment Period. That means you can buy a health plan if you have a qualifying life event. A qualifying life event could be changing or losing your job, losing your current health coverage, moving to a new ZIP code, having or adopting a child, or becoming married, divorced or separated.
You usually get 60 days before or after the qualifying life event to enroll in a plan.
You’ve got health coverage options.
Explore available plans and benefits in your area.
Let us help you find coverage during open enrollment.
Speak to a licensed agent at IHC Specialty Benefits.
For TTY devices, dial 711
Hours of operation for IHC Specialty Benefits
Note: Days and times may vary.