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
- 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,
- 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.
Health insurance resources
The Insurance Division has information available to help consumers make the
best choice for them.
- For open enrollment tips and FAQs, click
- To learn about how health insurance works and what your plan covers, read
our Consumer Guide to Health Insurance: http://www.oregon.gov/DCBS/insurance/gethelp/Documents/4618.pdf
here to learn about cost-sharing, which includes deductibles, co-pays,
here to look at sample premium rates for your area. Rates for specific
plans will be available on healthcare.gov starting Nov. 15.
- Call an Insurance Division consumer advocate at 1-888-877-4894 (toll-free)
or email email@example.com.
Ask your human resources staff when your open enrollment occurs at work.