It’s that time of year again — open enrollment for 2023 is here! To help you make the most of it, we’ve provided a short list of common questions you might have about open enrollment for the coming year. Let’s get into it.
When is open enrollment for health insurance in 2023?
With the exception of Idaho, open enrollment begins on November 1st and continues into the new year. Customers can enroll in a plan by December 15, 2022 for coverage that begins January 1st, 2023, or they can enroll by January 15th, 2023 for coverage that starts February 1st, 2023.
Can I get health insurance outside of the enrollment window?
If you’ve had certain life events occur, such as losing your coverage, moving, getting married, having a baby, or adopting a child, you may also qualify for a Special Enrollment Period. Lower-income individuals may also qualify for the Special Enrollment Period.
Depending on the Special Enrollment you qualify for, you may have 60 days before or after the qualifying event to enroll in a new plan.
How much does health insurance cost in 2023?
The cost of your health insurance greatly depends on your healthcare needs. Individuals with chronic illnesses that require regular doctor’s visits typically pay a higher premium than those that only visit the doctor’s a few times a year. Consider the cost of your plan’s premium against the cost of the deductible to find the right plan for you.
To keep your healthcare costs as low as possible, First Family Insurance offers customizable plans so you’re only paying for what you need. Speak to an agent for a free, no-obligation quote.
Can I buy health insurance and use it immediately?
Most health insurance plans require a waiting period before the coverage kicks in, as outlined in the first item on this list. However, if you’re in need of immediate coverage, you could consider getting short-term health insurance.
You can enroll in short-term health insurance at any point in the year and you could have coverage as quickly as one day after you apply. This kind of insurance can last as little as a month and as long as three years. Check out this article if you want to learn more about short-term health insurance.