Open Enrollment for Medicare and Marketplace
Health insurance is one of the most important decisions you make each year. Whether you’re approaching age 65 and considering Medicare, or you’re looking for individual or family coverage through the Health Insurance Marketplace, understanding your options can help you find the right coverage, avoid unexpected costs, and make sure your preferred healthcare providers are in-network.
At One Community Health, we encourage patients to review their health insurance coverage annually because plans, benefits, provider networks, and prescription drug coverage can change from year to year. Our team of Assisters is here to help you answer any coverage questions and can help you navigate these decisions.
Important Dates:
Medicare Open Enrollment: October 15 through December 7
Marketplace Open Enrollment: November 1 through January 15
Why It’s Important to Review Your Coverage Each Year
Many people assume that if they are happy with their current plan, they do not need to make any changes. However, annual plan reviews can help you:
- Ensure your doctors and clinics remain in-network
- Verify that your medications are still covered
- Compare premiums, deductibles, and out-of-pocket costs
- Explore new plans that may better fit your healthcare needs
- Take advantage of financial assistance programs that may lower costs
- Avoid gaps in coverage for you and your family
Is One Community Health In-Network?
Before choosing a new insurance plan, make sure your healthcare provider is included in the plan’s network.
One Community Health accepts a wide range of health insurance plans. To view the most current list of accepted insurance plans, visit the organization’s Insurance Accepted page:
Medicare Open Enrollment Dates
Medicare Open Enrollment occurs every year from October 15 through December 7. During this time, people with Medicare can:
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- Switch from Original Medicare to a Medicare Advantage plan
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- Switch from a Medicare Advantage plan back to Original Medicare
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- Change Medicare Advantage plans
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- Join, change, or drop a Medicare Part D prescription drug plan
Any changes made during this enrollment period generally take effect on January 1 of the following year.
If you are already enrolled in Medicare, this is the ideal time to review your coverage and ensure it still meets your healthcare and prescription needs.
Marketplace Open Enrollment
You can enroll in individual and family health insurance plans during the annual Open Enrollment Period, which runs from November 1 through January 15. For 2027 coverage, enroll by December 31 to have coverage begin January 1.
Marketplace coverage may be a good option if you:
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- Are self-employed
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- Do not receive health insurance through an employer
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- Are between jobs
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- Need coverage for yourself or your family
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- May qualify for financial assistance based on income
Before You Enroll
Whether you are shopping for Medicare coverage or a Marketplace plan, gather the following information before comparing plans:
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- Current medications
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- Preferred doctors and healthcare providers
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- Expected healthcare needs for the coming year
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- Household income information
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- Current insurance plan documents and renewal notices
Taking a little time to compare options can save money and help ensure access to the care you need.
We’re Here to Help
At One Community Health, our certified Health Insurance Assisters are available to help you understand your options, compare plans, and determine whether you may qualify for financial assistance.
Best of all, these services are available to everyone in our community. You do not need to be a patient of One Community Health to receive assistance.
You can:
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- Schedule an appointment with a Health Insurance Assister
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- Call our team with questions about Medicare, Marketplace plans, or Medicaid.
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- Attend one of our upcoming Health Insurance Help Day events
Our goal is simple: to help every member of our community find affordable, quality health coverage and access the care they need.
