Happy Tuesday! We’ve made it through December!
The end is near – we have one more deadline for open enrollment.
Normally it’s January 15, but because that’s a federal holiday this year, they are extending it to January 16.
So what does this mean? If you’ve already signed up for health insurance for next year, you’re good. You don’t have to do anything else.
Unless:
- If you signed up for a plan, and you’re finding out now it wasn’t the plan you thought, or maybe your doctors are not in-network, then yes, we can still have until January 16 to make the change, then get you a different coverage for February 1st.
- If you let your plan auto-renew and didn’t check it to see what changes there were to premium, co-pay, or out-of-pocket. Now is the time to do that. If it’s something you don’t want, or the premium has skyrocketed, because you didn’t adjust your income, then we again have until January 16 to make that change happen.
*Remember: you are going to be on the hook for January if that big premium increase happens.
- Finally, for the people who procrastinated and did not sign up at all for insurance, you have till January 16 to get a plan that will begin February 1st and run through the end of the year.
So those are three possible scenarios that could have happened. I am here to help. I’ve already helped a few people who didn’t realize there had been notable changes to their plans. And with your permission, I can make all the necessary changes to get you the right coverage you need for 2024.
Remember the end is near.
