Open Enrollment is a specific period of time once a year when individuals can enroll in a qualified healthcare plan for themselves or their families through a private insurer like Vivna Insurance, or the federal marketplace.

Open Enrollment typically runs six (6) – eight (8) weeks. In 2021 it begins on November 1 and runs to December 15, 2021. It is during this six (6) week period you may enroll in an individual or family health insurance program.

During the six-week 2021 open enrollment period, you may sign yourself and/or your family in a new health insurance program for the next year. You can purchase that plan from Vivna Insurance, or through the federal marketplace if you are qualified to do so. Make note, however, if you go to the marketplace, not all plans available are there. Individual insurance companies like Vivna Insurance can offer more choices, and even offer alternatives that may better benefit your situation both financially and with the right coverage you require. Call Vivna Insurance today and speak to one of our licensed insurance agents if you would like helpful assistance in choosing a direction and a new plan for you and your family.

You should make every effort to enroll or renew your health insurance plan prior to the end of the open enrollment period to continue or have new coverage in the coming year. Should you have missed the deadline, you may not be able to gain health insurance coverage unless you have a qualifying life event, such as getting married, moving to a new state, or having a child. If you have a qualifying life event, you get a special enrollment period to purchase coverage. If you don’t have a qualifying event, you will need to wait until the next open enrollment period to purchase health insurance. Alternatively, if you do miss open enrollment, there are alternatives such as “Health Share” plans that may make sense as an individual or for your family, and give you the coverage you are looking for as well.

The best time to purchase health insurance is during the open enrollment period, or if you qualify for a special enrollment period as indicated above. If you missed 2021 open enrollment, you may qualify for a Health Share Plan, and should speak to one of our Licensed Insurance Agents today!

The Special Enrollment Period is a also called a qualifying life event, such as one of the following:

• Marriage
• Job loss and loss of your core benefits
• COBRA loss of health benefits
• A child’s birth
• Divorce
• Permanent relocation to another state
• Change in citizenship
• A new foster child
• Change in named legal guardian
• New adoption
• Death of a previous policy holder
• If you are newly eligible for government assistance