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Open Enrollment for 2025 health coverage is here and now is the time to review your health insurance options and ensure you have the coverage you need for the upcoming year. Whether you’re new to the Health Insurance Marketplace or looking to make changes to your current plan, this is the time to assess your healthcare needs.

What is Open Enrollment?

Open Enrollment is the designated period during which you can enroll in a health insurance plan through the Health Insurance Marketplace. This year, the enrollment period starts on November 1 and ends on January 15. 

Why is Open Enrollment Important?

Access to Affordable Coverage

The Marketplace offers a variety of health plans, many of which come with financial assistance based on your income. This can significantly reduce your monthly premiums and out-of-pocket costs.

Preventive Services

Most Marketplace plans cover essential health benefits, including preventive services like screenings, vaccinations, and annual checkups at no additional cost.

How to Prepare for Open Enrollment

  1. Review Your Current Plan: Take a close look at your current coverage. Consider what worked well for you over the past year and what didn’t.
  2. Assess Your Healthcare Needs: Think about any upcoming medical needs or changes in your health. Do you have a preferred doctor or specialist? Make sure your plan includes them.
  3. Gather Financial Information: Understanding your household income is essential, as it determines your eligibility for subsidies. Have your financial documents ready to help estimate your costs.
  4. Explore Your Options: Visit the Health Insurance Marketplace website to compare different plans. Look at premiums, deductibles, and coverage details to find the best fit.

Enrollment Steps

  1. Visit the Marketplace: Go here to start your application.
  2. Create an Account: If you’re new, you’ll need to create an account. Returning users can log in to review or update their existing applications.
  3. Fill Out Your Application: Provide information about your household and income to determine your eligibility for assistance.
  4. Compare Plans: Once your application is submitted, you can view and compare available plans based on your needs and budget.
  5. Enroll: Select your desired plan and complete the enrollment process before the deadline.

Cover Kansas is Here to Help!

Cover Kansas Navigators are trained, unbiased individuals who can help you compare health insurance plans, assist you with the online application process, and provide answers to your Marketplace questions year-round. You can schedule a free appointment with a navigator by calling (866)826-8375 or using the online “Find a Navigator” tool.