Still Time to Make Changes: Key Insurance Reminders Before Jan 15
Happy New Year!
Now that main open enrollment has wrapped up (deadline was December 15), it’s time to take care of some crucial follow-up tasks so you don’t get caught off guard this January.
Here’s what you need to check right now to ensure your insurance is active and accurate for 2026:
Still Want to Make Changes? Deadline is January 15
If your plan auto-renews but you want to switch it, you still have time to make changes—but only until January 15th for a February 1 start. Don’t wait—get on my schedule today so we can review and update your plan if needed.
Heads-up: Starting this year, if you don’t update your application annually, you could face monthly penalties. Let’s stay ahead of that!
Check Your Primary Care Provider (PCP)
Double-check that the correct PCP is listed on your insurance card. Even if I submitted this info during enrollment, carriers sometimes drop or change it during processing.
- Need a January update? You must call your insurance company directly and request a backdate—as long as you haven’t already visited a doctor.
- Need a February change? I can help—just reach out.
Verify Your Payment & Auto-Pay Setup
By now, your first payment should have been drafted if you set up auto-pay. Still unsure?
- Log in to your portal
- Make sure no payment is due
- Don’t risk a coverage lapse!
Grace periods:
- If you don’t get a tax credit: 30 days
- If you do get a tax credit: 90 days
But don’t wait. Missing payments can delay or cancel claims.
Access Your Digital ID Cards
Most insurance portals now have digital ID cards available:
- Download the app if one is available
- Save your cards to your phone
- Don’t stress about whether the physical card arrives in time
📅 Wrap-Up
We’re winding down from open enrollment season, but your job isn’t over yet. Let’s make sure your plan is working for you and you’re fully set for the year ahead.
Need help? Book your appointment before January 15 so we can review or make changes for February.
