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Open Enrollment 2019

How to navigate health insurance for next year.




November 09, 2018 - Brandon Huang, 2 minute read
It’s time to find health insurance for 2019. We’ll keep this page updated for you.

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What is Open Enrollment Period 2019?

Open Enrollment Period 2019, also called OEP 2019, runs from November 1, 2018 through December 15, 2018.
During this time, you can sign up for individual health insurance for 2019.

 

November 1, 2018

December 15, 2018

 

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The last day to join a 2019 health insurance plan is December 15, 2018.

 

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When is OEP?

In most states, the nationwide Open Enrollment Period lasts from November 1st through December 15th, 2018.

However, open enrollment does vary by state. Here are the following states with extended open enrollment deadlines:

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California: October 15, 2018 – January 15, 2019

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Colorado: November 1, 2018 – January 15, 2019

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Minnesota: November 1, 2018 – January 13, 2019

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: November 1, 2018 – January 31, 2019
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Rhode Island: November 1, 2018 – December 31, 2018

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Massachusetts: November 1, 2018 – January 23, 2019

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California: October 15, 2018 – January 15, 2019
Colorado: November 1, 2018 – January 15, 2019
District of Columbia: November 1, 2018 – January 31, 2019
Massachusetts: November 1, 2018 – January 23, 2019
Minnesota: November 1, 2018 – January 13, 2019
New York: November 1, 2018 – January 31, 2019
Rhode Island: November 1, 2018 – December 31, 2018

TBA:
Washington
Idaho
Maryland
Connecticut

Don't Miss These Extended Deadline Announcements

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What Kinds Of Health Insurance Can You Get?

Affordable Care Act / Obamacare

Read about health insurance plan types

HMO, PPO, EPO, POS: what they all mean and how to decide which one’s best for you.
Shopping for insurance is like navigating a maze of industry jargon and lingo. This article will explore the meanings of different health insurance plan types.

Read more…

Alternative Health Insurance Options

Short-Term Health Insurance

Short-term health insurance is a quick and affordable option for people looking for some temporary healthcare coverage. When life leaves you without a health insurance plan, short-term health insurance offers protection from the unknown, which could include staggering medical bills.

Read more…

Association Health Plans

Association health plans are a type of health insurance that’s offered by, and tailored for, like-minded people. If you work as a florist, you might get an AHP that has great coverage for, say, venus flytrap attacks. Or if you own a car dealership and provide healthcare to your employees, you could connect with other car dealerships to do the same thing.

Read more…

Christian Health Plans

Faith-based healthcare isn’t exactly insurance – these plans allow a large pool of people to “share” healthcare costs. Faith-based healthcare is offered through 501(c)(3) nonprofit charities with a religiously-oriented purpose, and serve as alternatives to health insurance.

Read more…

What's Changed From Past Years?

Individual Mandate / Obamacare Penalty -

The tax penalty for going without minimum essential coverage is going away in 2019, but not 2018.

2019 price change trends -

Prices have generally increased less than they have in previous years.

2019 new insurers joining ACA -

A handful of small companies have begun offering insurance, increasing consumer choice.

Enhanced Direct Enrollment -

In summary, this change will simplify the enrollment process for you compared to previous years.

What Do You Need to Know Going Into Open Enrollment?

STEP ONE - Personal Situation Research

Do you expect any major medical operations or pregnancies in the coming year?

What are your goals? Are you looking for cheaper coverage, better coverage?

STEP TWO - Understand Obamacare / ACA options

4 levels of health insurance plans:

Bronze, Silver, Gold, and Platinum. Metal levels determine which costs are shared between you and your plan. Your care is the same no matter which plan you choose.

Consider your total healthcare costs, not just the premium.

Know your alternatives, including short-term plans.

STEP THREE - Collect information you'll need to apply

Household size

Household income

Current coverage information

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Figure out your Obamacare Subsidy Eligibility with this tool

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Can You Still Get Health Insurance for 2018?

You can still get a comprehensive health insurance plan to cover you for the rest of 2018, even after the Open Enrollment Period begins. However, you’ll need to call HealthCare.com’s hotline, as plan information will have disappeared online.

Remember, plans last from January through December, so you’ll actually join two different plans – one for 2018 and one for 2019.

More Resources for Purchasing Health Insurance

Buying health insurance

If you’re looking to buy your own health insurance for the first time (or you need help shopping for a new health insurance policy), there are a few things you need to know before open enrollment comes around. Shopping for health insurance can be daunting, especially when you’re buying individual health insurance on your own.

Read more…

Using health insurance

This Health Insurance 101 guide will walk you through on all the basic healthcare processes, words, and facts that you need to know. The United States spends more on healthcare than any other high-income nation; in 2015, more than $3.2 trillion was spent on healthcare alone.

Read more…

Comparison tools to shop

Find affordable healthcare that’s right for you. Instantly compare over 4,000 insurance plans. It’s everything about health insurance in one place.

Read more…

What to check before you renew health insurance

When you signed up for health insurance last year, did you agree to automatically re-enroll? If you’re set to automatically renew your health insurance policy for 2019, you could be in for a surprise on December 16, 2018.

Read more…

Summary

  • Prepare information (income, your situation, health-related plans for the future, etc.)
  • Consider plan types before selecting a company
  • Compare companies and plans on HealthCare.com
  • We’ll connect you with a licensed agent to review and finalize your coverage

Do you have questions for us?

Reach out so we can help you, or download the summary checklist to keep track of your progress!

 

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Download Summary Checklist