Open enrollment policies

Open enrollment policies refer to specific periods when individuals can sign up for or make changes to their health insurance plans without needing a special reason. During these times, they can select new coverage, switch plans, or renew existing ones. Outside of open enrollment, changes are generally only allowed if certain life events occur, like losing other coverage, getting married, or having a baby. These policies ensure fair access to insurance options and help people adjust their coverage to meet their needs annually.