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ACA individual & family plan enrollment details
Here are important dates and resources to help you prepare for Open Enrollment.
November 1, 2023*
Open Enrollment starts
This is the time to explore ACA plans, see if your doctors are in network and apply for financial help.
December 15, 2023*
Open Enrollment ends
Be sure to choose a plan by December 15 so you’re covered on January 1. Need more time? You can enroll up until January 15 to be covered on February 1.
January 1, 2024
Plan coverage begins
Simply make your first payment to activate your plan and access all your membership benefits.
Making insurance easier
The top insurance terms you’ll want to know
Insurance isn’t all that complicated. It just feels that way at first. Let’s figure it out together. Here are simple definitions for common terms you might see during enrollment.
Coinsurance
This is a percentage that you pay after you’ve met your deductible. For example, if your plan covers 80% of the cost for physical therapy, you pay 20%.
Copay
This is a fixed amount that you typically pay at the time you get care. For example, you might pay $40 when you see your doctor.
Deductible
This is the amount you pay before your health plan starts to pay for some or all of your costs.
Network
This is a group of providers, like doctors and clinics, that have a contract with a health plan. When you see a provider in your plan’s network, you get lower rates.
Out-of-pocket maximum
This is a a cap on plan costs. Once you’ve paid this amount through deductibles, copays and coinsurance, your plan pays 100% of all covered costs for the rest of the plan year.
Referral
This is an authorization from your doctor, written on paper or sent electronically, to see another doctor or for a specific health service.
Can I get coverage after Open Enrollment?
Health care answers in 60 seconds.
When can you change your health insurance?
Typically, you sign up for a new health plan during open enrollment.
But you may also change your plan under special circumstances called qualifying life events.
Here are common events...
Loss of insurance.
If you lose coverage because you’ve aged out of your parents’ plan, lost your job, or switched your job, you qualify.
Change in household.
If you get married, have a baby, or when the number of people in your family changes, you qualify.
Health care question answered.
Can I get coverage after Open Enrollment?
Yes! You may qualify for a Special Enrollment Period if you’ve had a big life change or one coming up. Some examples include losing your health plan or getting married. Or turning 26, when you can’t be on your parent’s health plan anymore.* These qualifying life events — and others — let you sign up for a health plan outside the ACA Open Enrollment Period.
At risk of losing Medicaid coverage? You have options.
You may qualify for a no or low-cost Aetna CVS Health® plan. You may be able to get a premium tax credit, or subsidy. This can greatly lower your monthly premium or even give you a $0 premium.* To learn more, visit our Medicaid coverage resources.
Questions? We’re here to help.
Get in touch with us
Our licensed agents can answer your questions and help you choose the right plan for your needs.
Notes
*FOR OPEN ENROLLMENT START DATE: In California, Open Enrollment starts November 1, 2023 for new customers.
*FOR OPEN ENROLLMENT END DATE: In California and New Jersey, you can enroll through January 31, 2024 for coverage on February 1, 2024.
*FOR COVERAGE UNDER A PARENT'S PLAN: A dependent child may continue coverage if the child has a disability or is in school and on a leave of absence.
*FOR $0 PLAN PREMIUM: Exclusions and limitations apply.
Legal notices
Health plans are offered or underwritten or administered by Aetna Health of California Inc., Aetna Health Inc. (Florida), Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.
Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Information is accurate as of the production date; however, it is subject to change.
Health benefits and health insurance plans contain exclusions and limitations.