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The Open Enrollment Period is your chance each year to sign up for health insurance.
Open Enrollment for 2018:
Starts November 1, 2017
and Ends on January 12, 2018
|If You Enroll Between:
||Your Coverage Begins:|
|Nov. 1, 2017 and Dec. 15, 2017
||January 1, 2018*|
|Dec. 16, 2017 and Jan. 12, 2018
||February 1, 2018*|
|Following Open Enrollment, when you enroll before the 15th of any month your coverage will begin on the first day of the following month. *You must pay your premium in order for your plan to become effective. Premiums are due on the 25th of the month prior to effective date.|
Choose the plan that's right for you.
Bronze plans have the highest deductible in exchange for a lower monthly premium. This is a good plan for those who don't access care often, but want the security to know they have coverage when they need it. The Advance Premium Tax Credit (APTC) subsidy can be applied to premiums for a Bronze plan.
Choosing a Silver plan may allow you to save in two ways. First, if you qualify for the APTC, you can use it to lower your monthly premiums. In addition, you may also qualify for the Cost Sharing Reduction (CSR) subsidy--only available in Silver plans--that lowers deductible, copays, and coinsurance costs.
Gold plans mean you'll have a higher premium, but will pay less each time you access care. If you qualify for the APTC, you may apply the subsidy to your Gold plan premium.