California’s second health insurance enrollment period under the Affordable Care Act begins tomorrow. The three-month window marks the only time – except in the case of “qualifying life events” such as getting married or changing jobs – that a person can buy individual or family insurance for 2015.
Health policy experts say now is the time to shop and compare for the nearly 1.2 million Californians who bought 2014 insurance through Covered California, and for those who bought individual plans outside the exchange.
Those who do nothing will be automatically enrolled in their existing plan.
“Pay your premium in December and you’re good to go on Jan. 1,” says Peter Lee, Executive Director of Covered California. “But we encourage people to shop and see if there is a better option for them.”
And that’s advice you’ll want to follow, even if your existing plan is working well for you, says Larry Levitt, insurance expert and senior vice president at the nonprofit Kaiser Family Foundation.