Health Care Open Enrollment: Fast Facts
Open enrollment for 2020 plans starts November 1, 2019. You must sign up by December 15, 2019 to be covered in 2020. Most people will qualify for financial help.
Every year during open enrollment, you should log on to www.healthcare.gov and make sure your contact information and your income information are up-to-date and accurate. You can call 1-800-318-2596 for help.
- This will ensure that you are getting the maximum tax credit for which you are eligible.
- The amount of the tax credit depends on both your income and the costs of the plans available in your area (which change each year). The tax credit goes up if your premiums go up.
- This year, healthcare.gov is expected to be down on Sundays between 12AM and 12PM, except on December 15.
If you are currently enrolled in a plan, you should review the premiums for next year and any plan changes that the insurer is making (such as changes to the provider network, deductible or co-pays) to make sure that this plan is still the best option for you. Many, but not all, plans may see premiums decrease for next year. You should confirm any changes to your plan's premium even if you do not change your plan.
If you need to pick a new plan, remember to compare the new plan to your old plan.
- Are your doctors in-network in your new plan?
- Are your prescription medications covered?
If you need help choosing a new plan or enrolling in a plan, you can find help at https://localhelp.healthcare.gov/. A plan comparison tool is also available through the Pennsylvania Insurance Department.
Note: this guidance does not apply to Medicare, Medicaid or CHIP plans.
Health plans offered outside of Healthcare.gov may not offer adequate coverage, including for pre-existing conditions. Please see Senator Casey’s report on “junk” health insurance plans, and his tips on avoiding them.