ACA individual & family plan enrollment details
Important enrollment dates
Mark your calendar!
November 1*
Open Enrollment starts
This is the time to explore ACA plans, see if your doctors are in network and apply for financial help.
December 15*
Open Enrollment ends
Be sure to choose a plan by this date so you’re covered on January 1.
January 1*
Plan coverage begins
Simply make your first payment to activate your plan and access all your membership benefits.
Can I get coverage after Open Enrollment?
Yes! You may qualify for a Special Enrollment Period if you’ve had a life change or one coming up. Some examples:
- You’ve lost your health plan
- You’re getting married
- You’re having a baby
- You’re moving to a new state
These qualifying life events — and others — let you sign up for a health plan outside the ACA Open Enrollment Period.
Life changes that qualify you for special enrollment
At risk of losing Medicaid coverage? We’re here to help.
You may qualify for a no or low-cost Innovation Health plan. You may be able to get a subsidy. This can greatly lower your monthly premium.* Enter your ZIP code to explore plan options.
Big life change or one coming up?
The top insurance terms you’ll want to know
Insurance isn’t all that complicated. It just feels that way at first. Let’s go over the top terms you might see during enrollment.
Deductible
This is the amount you pay before your health plan starts to pay for some or all of your costs.
Coinsurance
This is a percentage that you pay after you’ve met your deductible. For example, if your plan covers 80% of the cost for physical therapy, you will pay 20%.
Copay
This is a fixed amount that you typically pay at the time you get care. For example, you might pay $40 when you see your doctor.
Out-of-pocket maximum
This is a cap on your plan costs. Once you have paid this amount through deductibles, copays and coinsurance, your plan pays 100% of all covered costs for the rest of the plan year.
Network
This is a group of providers — like doctors and clinics — that have a contract with a health plan. When you see a provider in your health plan’s network you get special, lower rates.
Referral
This is an authorization from your doctor, written on paper or sent electronically, to see another doctor or for a specific health service.
Notes
*FOR COVERAGE ON A PARENT’S PLAN: Your dependent child may continue coverage if your child is disabled, or in school and on a leave of absence.
*FOR $0 PLAN PREMIUM: Exclusions and limitations apply.
Now that’s innovation
Innovation Health is transforming the health care journey. Through innovative programs, coordinated care, and convenient access, our health plans are personalized to fit our members’ needs. Discover how we are helping members achieve their health ambitions right in their community.
