8/21/2025

Open Enrollment Myth: Did You Know You Don’t Have to Wait to Change Your Plan?

Every year, people scramble during the fall Open Enrollment period to review their health insurance. But here’s a secret most people don’t know—you don’t always have to wait for Open Enrollment to make a change.

When Can You Change Your Plan Outside of Open Enrollment?

While Open Enrollment is the standard time to switch or sign up for coverage, there are situations where you can make changes anytime through what’s called a Special Enrollment Period (SEP).

You might qualify for an SEP if you:

• Lose your current coverage (job change, divorce, aging off a parent’s plan, etc.)

• Move to a new state or service area

• Have a major life event (marriage, birth or adoption of a child)

• Experience a loss of Medicaid or CHIP eligibility

• Face certain income changes that qualify you for new subsidies or programs

Marketplace Plans Aren’t Your Only Option

If you’re self-employed, own a small business, or want access to national PPO plans, there may be options available year-round—even if you don’t qualify for an SEP.
These plans can offer:

• Lower monthly premiums

• Lower deductibles

• Broader provider networks

• Benefits not typically available on the Marketplace

Why This Matters

Too many people stay stuck in overpriced or poorly fitting plans because they believe they’re locked in until the next Open Enrollment. The truth is, waiting could cost you thousands in unnecessary premiums and out-of-pocket expenses.

If you’re unhappy with your coverage—or just curious about what else is out there—it’s worth checking to see if you qualify to change now.

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Bottom line: Open Enrollment isn’t the only time to make a smart move. With the right guidance, you might be able to upgrade your coverage and save money today—not months from now.

📞 Call or text me at 716-503-1113 to see if you can switch now.