Open enrollment starts Nov. 15
Open enrollment is the one time during the year when you can change plans, change insurance companies, or choose to stay with the plan you have. You also can access financial help, such as tax credits, during open enrollment.
The open enrollment period for 2015 individual health plans runs from Nov. 15, 2014, through Feb. 15, 2015. To get coverage, Oregonians should do one of the following:
- Go to the Health Insurance Marketplace at healthcare.gov to renew or change your plan and access tax credits and other savings if you qualify. People who want to purchase a plan through healthcare.gov and qualify for financial assistance for Jan. 1 must enroll by Dec. 15. This includes people whose 2014 coverage was purchased through Oregon's state-based exchange, Cover Oregon.
- Renew or change your plan through your insurance company. Oregonians who bought a plan directly from an insurance carrier should work with that carrier to see what date they need to enroll by or whether they can be automatically be re-enrolled, in order to have coverage Jan. 1.
- Work with an agent, who can help you get health coverage through the Health Insurance Marketplace or outside of the Marketplace.
Guides to 2015 Health Insurance Coverage
As open enrollment for 2015 health insurance plans approaches, the Insurance Division is providing information to consumers about how to choose the plan that best meets their health and financial needs.