Open Enrollment is your once-a-year opportunity to get the health coverage you need—whether you’re self-employed, running a small business, or simply looking for a better plan. At PolicyMates, we make sure you understand your options, avoid costly mistakes, and get the coverage that actually fits your life.
Here’s what you need to know for the upcoming enrollment season.
What Is Open Enrollment?
Open Enrollment is the period when individuals can:
- Enroll in a new health insurance plan
- Renew or change their existing plan
- Apply for premium subsidies or tax credits
For most people, this is the only time of year to make changes unless they qualify for a Special Enrollment Period (SEP).
Key Dates for 2025
- Starts: November 1, 2024
- Ends: January 15, 2025
Who Needs to Enroll?
You should enroll during Open Enrollment if:
- You’re self-employed or a freelancer with no job-based coverage
- You lost coverage from an employer or Medicaid
- You want to compare plans or access lower-cost options through subsidies
- You’re turning 26 and coming off a parent’s plan
- You retire early
What If You Miss It?
If you don’t enroll by January 15, you may:
- Have to wait until next year
- Qualify only if you experience a qualifying life event (e.g., job loss, move, divorce, birth of a child)
- Purchase a Short Term Medical Insurance to bridge the gap until next open enrollment
Coverage Options Available
Marketplace (ACA) plans — eligible for tax credits
Off-exchange plans — for higher income or unique coverage needs
ICHRA or group coverage — if you’re an employer offering benefits
Ancillary plans — like dental, vision, accident, or critical illness
What You’ll Need to Enroll
To get started, gather:
- Estimated household income
- Social Security numbers for all applicants
- If you are Not a US citizen – immigration status information.
- List of doctors or medications you want to keep
- Dependent information
Need Help? That’s Why We’re Here.
At PolicyMates, we don’t chase you—we guide you. We’re independent, transparent, and always on your side. Whether you need one plan or help with family or employee coverage, we’ll walk you through every step.
You can schedule a call, submit a quote request, or just start with a question.