What can you do to prepare for open enrollment?

  1. Make a list of questions you have before it’s time to choose your health plan. For example, “Can I stay with my current doctor?” or “Will this plan cover my health costs when I’m traveling?”
  2. Make sure you understand how insurance works, including deductibles, out-of-pocket maximums, copayments, etc. You’ll need to know these terms while you’re shopping around.
  3. Start gathering information about your household income. You’ll need income information to find out how if and for how much you’re eligible.
  4. Set your budget. There will be numerous health coverage options, and breaking them down by cost can help narrow your choices.
  5. Find out from your employer whether they plan to offer health insurance, especially if you work for a small business.
  6. Explore current options. You may be able to get help with insurance now, through existing programs or changes that are in effect already from the new health care law.
    • If you are a young adult, you may remain on your parents’ health insurance plan up to age 26.
    • You are guaranteed coverage even if you have health issues or pre-existing conditions.