In the United States, annual enrollment (also known as open enrollment or open season) is a period of time, usually but not always occurring once per year, when employees of companies and organizations may make changes to their elected fringe benefit options, such as health insurance. The term also applies to the annual period during which individuals may buy individual health insurance plans through the online, state-based health insurance exchanges established by the Patient Protection and Affordable Care Act. Open enrollment is also prominent in Medicare, where almost 50 million enrollees can choose to stay in original Medicare, or join or change plans within the Medicare Advantage and Medicare Part D Prescription Drug programs for the coming calendar year. Individuals usually can make changes to their health insurance or fringe benefits only during the open enrollment period or when they have experienced a specific qualifying event.
During this time period, an employer will typically communicate to all eligible employees what options they have for their benefit program. Often the vendors or insurance providers will be present to explain the details of their products. This can be done either with group presentations, "benefit fairs" or meetings one on one with each employee. As travel expenses continue to rise many vendors and insurance providers have turned to using independent "contract enrollers" to do the communication on their behalf.
Open season is a prominent feature of the Federal Employees Health Benefits Program during which some 3 million Federal civilian employees and retirees may choose among several dozen health insurance plans for the coming year. Open season is scheduled in the fall each year, and plan enrollment decisions take effect in the following calendar year.
Annual enrollment under the Patient Protection and Affordable Care Act
Under the Patient Protection and Affordable Care Act, annual enrollment, or open enrollment, is the period that people in the United States who need health insurance can sign up for an individual insurance plan. Unless someone experiences a "qualifying event" outside of the open enrollment period, open enrollment is the only time to sign up for individual health insurance under the Affordable Care Act. Open enrollment lasts for three months; the 2015 period lasts from November 1, 2015 until January 31, 2016.
Acting during the open enrollment period is vital for any individual who wishes to buy individual health insurance. During open enrollment anyone who wants to purchase insurance through the public exchange has the opportunity to do so despite circumstances, such as health or age. Outside of open enrollment it can be difficult to obtain insurance, either public or private, unless circumstances dictate.
- Affordable Care Act - Open Enrollment Eventus Solutions, November 2014
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