The start of a new year often brings clarity, fresh goals, and a long to-do list. For many people, insurance falls off that list once Open Enrollment ends. But the truth is, insurance decisions don’t stop just because the calendar changes.
If Open Enrollment recently wrapped up and you’re wondering what now? — you’re not alone.
What Happens After Open Enrollment Ends?
Once Open Enrollment closes, most people can’t make changes to their health insurance unless they qualify for a Special Enrollment Period (SEP). These are triggered by certain life events, such as:
- Marriage or divorce
- Having or adopting a child
- Losing employer-sponsored coverage
- Moving to a new area
- Starting a new job
If any of these apply to you, you may still have options to enroll or adjust your coverage.
The New Year Is a Great Time to Review Your Coverage
Even if you’re already enrolled, the beginning of the year is an ideal time to review your plan and make sure it still fits your needs. Questions to consider include:
- Does your coverage align with your current health, family, or business situation?
- Are your deductibles and premiums still manageable?
- Do you understand how to actually use your benefits?
Many people discover gaps or misunderstandings only when they need to use their insurance — reviewing early can prevent surprises later.
We’re Here Beyond Enrollment Deadlines
Insurance doesn’t end when Open Enrollment does, and neither does our support. Whether you missed enrollment, experienced a life change, or simply want help understanding your plan, working with us means having guidance all year long — not just during enrollment season.
Looking Ahead
The new year is about moving forward with confidence. Making sure you’re properly protected is part of that foundation.
If you have questions about your coverage or think you may qualify for additional options, now is the perfect time to ask. We’re here to help you navigate what comes next.
