Health Insurance Center

Health Insurance Q & As

Question 1 of 13 in Employer-sponsored Group Policies
I just changed my coverage in december but I don’t like my new plan. I want to change again, As soon as possible. Can I do that?
You still have time to switch before April 1. The Open Enrollment Period (OEP) runs from January 1 through March 31 each year. During this time, you are allowed to make one switch. If you do switch, your new coverage starts the first of the month after you make your selection. However, you cannot decide to add or drop Medicare drug coverage (Part D) during the OEP.

Meanwhile, there are only a couple instances in which you can change coverage between April and mid-November, the period known as the "off-season": (1) when you make a qualified change in your circumstances, for example moving out of the area covered by your health plan (called the "Special Enrollment Period" or SEP), and (2) when you first enroll in Medicare Parts A & B (the "Initial Enrollment Period" or IEP).

Finally, remember that the last six weeks of every year (November 15-December 31) is the "Annual Coordinated Election Period." Between these dates you can change plans as often as you want, with the final change taking effect January 1.