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We’ll share information about our plans, and how you can qualify for a Special Enrollment Period.
ACA individual & family plan enrollment details
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? We’re here to help.
You may qualify for a no or low-cost Aetna CVS Health™ plan. You may be able to get a subsidy. This can greatly lower your monthly premium or even give you a $0 premium**. Enter your ZIP code to explore plan options.
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 this date 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
Just make your first payment to activate your plan and access all your membership benefits.
The top insurance terms you’ll want to know
Insurance isn’t all that complicated. It just feels that way at first. Let’s go over the top 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 will 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 health plan’s network you get special, lower rates.
Out-of-pocket maximum
This is a cap on your plan costs. Once you have 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.
Get your questions answered fast
Talk with a licensed agent
Our trained agents are ready to help you choose the right plan for your needs.
1-844-383-6129 (TTY: 711)
Call Monday — Friday, 8 AM to 9 PM ET.
*Your dependent child may continue coverage if your child is disabled, or in school and on a leave of absence.
**Exclusions and limitations may apply.
Legal notices
Health plans are offered or underwritten or administered by Aetna Health of California Inc., Coventry Health Plan of Florida, 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.
Health benefits and health insurance plans contain exclusions and limitations.