What to Do After Open Enrollment Ends: Avoid Mistakes and Stay Covered
Open Enrollment might be over, but your job isn’t done! There are important next steps to take to make sure your insurance is active and that you don’t run into surprises later—like denied claims or unexpected tax bills. Here’s what to know:
- Set Up Your Insurance Portal
If you haven’t already done so, set up your insurance carrier’s portal online. This is where you’ll:
- Check if autopay is on
- Pay your first bill (if needed)
- Download your digital ID cards
- Confirm your plan and listed providers
If you wait too long to correct something like your primary care provider (especially on an HMO), you might not be able to backdate it to January 1.
2. Report Life Changes Within 30 Days
Life happens—make sure your insurance reflects that. Notify me immediately if:
- You have a baby
- You get married or divorced
- You move
- Someone in your household passes away
- Your income changes
- You change jobs
Why? Because these all affect your eligibility for coverage and tax credits. And if your income was estimated incorrectly, you could end up owing money at tax time.
3. If You (or a Spouse) Turn 65
If you or your spouse is turning 65, your ACA plan will no longer qualify for tax credits once you’re Medicare eligible. You must notify me at least 3 months in advance so we can cancel your current plan and transition to Medicare properly. Failure to do this could result in thousands in back taxes.
4. Mark Your Calendar for Open Enrollment
Every year, Open Enrollment starts November 1st. Even if you love your current plan, it still needs to be renewed or reviewed—especially because plan rates, networks, and benefits often change.
Let’s stay on top of it all so you’re never caught off guard. Have questions or life updates? Reach out anytime.
