What if I miss open enrollment?
What if I Miss Open Enrollment?
An open enrollment period is a specific time frame, or window, that employees have to enroll in their company's insurance benefits. It is crucial to enroll during this time frame or to make any changes to your current coverages that are already in force, such as adding a dependent, switching plans, adding additional insurance, etc.
While it’s important to make sure you do not miss your company's open enrollment period, we know that life happens. If you did not enroll within the company’s time frame, you will have to wait until January 1st for individual insurance, your company’s annual open enrollment dates, or until you qualify for a special enrollment period.
A special enrollment period is an option if you have a valid qualifying life event. A qualifying life event allows you to enroll outside of individual or company annual open enrollment periods. Qualifying life events include but are not limited to: address change, adoption, becoming a U.S citizen, birth, death, divorce, gain custody of a dependent, loss of eligibility of Medicare/Medicaid, loss of coverage, and return from military leave. Click here to learn more about qualifying life events.
If you still have questions regarding your insurance benefits, please click here to contact your benefit administrators.
