Open Enrollment What you need to know
Under the Affordable Care Act, Open Enrollment is the time when individuals and families can enroll for health insurance for the upcoming year. If you don’t have health insurance, Open Enrollment is the time to apply. If you do have health insurance – but want to shop and compare other health insurance options that might better fit your needs and budget, Open Enrollment is a great time to make a change.
When is Open Enrollment?
Open Enrollment is happening now. It started November 1, 2020 and ends January 15, 2021. Enroll by December 15 to have coverage effective January 1. If you enroll between December 16 and January 15, coverage is effective February 1.
If you miss the January 15 deadline for 2021 Open Enrollment, you will only be able to enroll in a health insurance plan for 2021 if you experience a qualifying life event.
See if you qualify for a tax credit (subsidy)
The federal government provides financial help in the form of tax credits, or subsidies, for eligible individuals and families who purchase their own health insurance. Eligibility depends on family size and income.
Use our tax credit calculator to see if you or your family may be eligible for financial assistance.
Save with a tiered network plan
With a Keystone HMO Proactive health plan, in-network providers are grouped into three tiers. While all doctors and hospitals in our network must meet high quality standards, many offer services at a lower cost. These providers are in Tier 1 – Preferred, which includes more than 50 percent of in-network doctors and hospitals.
Make sure your preferred providers are in the network
If seeing certain doctors – or using certain hospitals or health care facilities – is important to you, then be sure that they’re covered in your plan’s network. Independence Blue Cross is proud to offer the widest selection in quality care, with over 49,000 providers and more than 180 hospitals available to you.
Use the Find a Doctor tool to see if your current primary care physician (PCP), health care specialists, and facilities are in the network.