Frequently asked questions.
Individual
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Open enrollment is from November 1 through December 15th. During this time you may sign up for coverage or change plans. It is imperative that you make sure that your income on record is correct to assure the proper tax credit is applied to your plan choice.
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Since the 2023 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period.
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Since the 2023 Open Enrollment Period is over, you can now enroll in or change a Health Insurance Marketplace plan only if you have a life event that qualifies you for a Special Enrollment Period.
Changes in household
You may qualify for a Special Enrollment Period if you or anyone in your household in the past 60 days:
Got married.
Had a baby, adopted a child, or placed a child for foster care.
Got divorced or legally separated and lost health insurance. Note: Divorce or
legal separation without losing coverage doesn’t qualify you for a Special Enrollment Period.
Died.
Changes in residence
Moving to a new home in a new ZIP code or county
Moving to the U.S. from a foreign country or United States territory
If you’re a student, moving to or from the place you attend school
If you’re a seasonal worker, moving to or from the place you both live and work
Moving to or from a shelter or other transitional housing
Important: You must prove you had qualifying health coverage for one or more days during the 60 days before your move. You don’t need to provide proof if you’re moving from a foreign country or United States territory.
Loss of health insurance
You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past
60 days OR expects to lose coverage in the next 60 days. Coverage losses that may qualify you for a Special Enrollment Period:
Losing job-based coverage
Losing individual health coverage for
a plan or policy you bought yourself
Losing eligibility for Medicaid or
CHIP
Losing eligibility for Medicare
Losing coverage through a family
member
If any of these situations applies to you and your family, please contact Don immediately.
Medicare
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Every year, Medicare’s annual enrollment period is October 15 – December 7.
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Medicare health and drug plans can make changes each year—things like cost, coverage, and what providers and pharmacies are in their networks. October
15 to December 7 is when all people with Medicare can change their Medicare health plans and prescription drug coverage for the
following year to better meet their needs.
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People in a Medicare health or prescription drug plan should always review the materials their plans send them, like the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC). If their plans are changing, they should make sure their plans
will still meet their needs for the following year. If they’re satisfied that their current plans will meet their needs for next year and
it’s still being offered, they don’t need to do anything.
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Information for next year’s plans will be available beginning in October.
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You can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to
make changes are called Special Enrollment Periods (SEPs). Rules about when you can make changes and the type of changes you can make are different for each SEP.
You change where you live
You lose your current
coverage
You have a chance to get other
coverage
Your plan changes its contract
with Medicare
If any of these instances effect you and your coverage, please call Don immediately.
DB Insurance is certified to offer FREE expert health insurance advice in the states of Idaho, Oregon and Washington. We walk you through the entire process, making sure that you get the best coverage for you and your family.
