It’s almost time to find a health plan for 2018.
During open enrollment, individuals who are not covered by an employer’s plan can buy health coverage.
Most individuals are required to purchase insurance. People without coverage may be fined by the federal government.
Plans sold during open enrollment go into effect Jan. 1, 2018.
Here are three things you should know
1. The window to enroll is shorter than previous years.
The 2018 open enrollment period runs Nov. 1 to Dec. 15, 2017. This window is set by the government. Now is the time to start thinking about your insurance needs and looking into available health plans.
2. When life happens, you may have options.
After Dec. 15, 2017, the only way you will be able to change your plan is if you have a major life event. You can request changes or coverage within 60 days of the following:
- Getting married
- Adopting or giving birth to a child
- Losing coverage (for example, through divorce, job loss, loss of Medicaid or other program status)
- A change that affects your eligibility for tax credit subsidies
3. You have choices.
BCBSND offers a number of plans to fit your needs. If you need a little help figuring out what is right for you, we’re happy to help. Start by reading about our health plans.