Open enrollment is the period when individuals can enroll in a health insurance plan or change their existing coverage. If you don’t have access to an employer-based health plan, then this time of the year is important for you. During this period, you’ll be able to purchase affordable coverage for you and your family without too many limitations. Read on to learn more about open enrollment 2022.
- What is the timeframe for open enrollment?
Open enrollment began on November 1, 2021, with the deadline extended until January 15, 2022. But some states may have different dates due to state policies. If you missed the enrollment period, you could still sign up for insurance as long as you qualify for the Special Enrollment Period (SEP). You might be eligible if you’ve had certain life events happen to you, such as getting married or moving houses.
- When will my coverage take effect?
This will depend on when you sign up for your insurance. If you enroll by December 15, your coverage will start on January 1, 2022. On the other hand, if you purchase after December 15, your coverage will begin on February 1, 2022.
- What insurance plans and benefits are available?
All ACA-compliant health plans, including those in the health insurance marketplace, should cover essential health benefits. These include preventative care, prescription drugs, maternity care, mental health, and more. Other significant medical benefits will depend on which plan you choose. To know which one is best suited to your needs, you may consult a professional.
- How can you purchase health insurance for 2022?
There are many ways you can sign up for an insurance plan during open enrollment. You can do it online at HealthCare.gov or by phone at 800-318-2596. Besides that, you may also sign up through an agent, broker, or your own state’s health insurance marketplace if they have one.
Get in Touch With Midwest Employee Benefits
Now that you know more about open enrollment for 2022, you’ll be more prepared to purchase health insurance coverage for you and your family. If you need more help, reach out to an expert. Call Midwest Employee Benefits in Sioux Falls, MD today for more information about medical insurance, Medicare plans, and more.