Open Enrollment Starts November 1st: Here’s What You Need to Know
Open Enrollment kicks off November 1st—and this year is going to be a wild ride. With changing plans, shifting tax credit eligibility, and premium increases across the board, now’s the time to review your healthcare options before Marketplace automatically selects a plan for you.
❗Don’t Let the Marketplace Choose for You
If you’re currently enrolled in a Marketplace plan and don’t manually update it before December 15th, you’ll be auto-renewed into a potentially expensive or mismatched plan. In some cases, people have been surprised with higher premiums or providers suddenly out of network.
👉 If that happens, yes, we can make corrections—but it’s better to get it right the first time.
🔍 What’s Changing in 2025?
Here are a few things to keep on your radar:
- Premiums are increasing—some more than others. We’ll know exact rates once they’re released.
- Aetna is leaving the Marketplace, which means we’ll have to move members off that plan.
- Eligibility for tax credits is under review. If extended subsidies go away, it could significantly impact your monthly premium.
- Auto-renewal may cost you more than you expect—and even trigger a $5/month penalty until you update your application.
📌 What You Need to Review:
Before enrolling, we’ll go over:
- Household changes (new or removed members)
- Income updates
- Doctor and prescription network changes
- Eligibility for subsidies or special enrollment
Please don’t wait until December 15. The earlier we talk, the better prepared you’ll be.
💡 Bottom Line:
Health insurance is not one-size-fits-all. Let’s take time to:
- Run new quotes
- Make sure your doctors are still in-network
- Adjust for any life or income changes
- Lock in a plan that protects your health and your wallet
📅 Get on my calendar today so we can get ahead of the chaos and make sure you’re covered correctly for 2025.
