Your Open Enrollment Checklist

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• Review Your Current Coverage

  Consider your total healthcare costs from the past year, including premiums and out-of-pocket expenses. What worked well and what could be better?

• Assess Next Year's Health Needs

  Think about any expected life changes, planned medical procedures, or new prescriptions. Do you or your family members have chronic conditions that require regular care?

• Understand Key Insurance Terms

  Familiarize yourself with essential terms like deductible, premium, and copayment. Our guide to understanding plans can help.

• Compare Plan Costs and Benefits

  Look beyond the monthly premium. Compare deductibles, copays, and the out-of-pocket maximum to understand the total potential cost for each plan.

• Check Provider Networks

  If you want to keep your current doctors and hospitals, verify that they are in-network for any plan you're interested in.

• Review Prescription Drug Coverage

  Ensure your regular medications are covered by the plan’s formulary. Check the costs for your specific prescriptions, as they can vary significantly between plans.

• Complete and Submit Your Application

  Once you've made your decision, fill out the enrollment form completely and accurately. Double-check all personal information before submitting.

• Confirm Enrollment and Pay First Premium

  Look for a confirmation notice from your insurance provider and pay your first premium to activate coverage. Keep a copy of these documents for your records.