Beat the Open Enrollment Deadline

Let us commence the welcoming of winter-weather, holiday festivities and wrapping up an entire decade as we sail through December and bid farewell to 2019! Buckle up—December is a fast-paced month filled with many to-dos. As you keep up with this festive month, don’t forget to secure 2020 health coverage before the mid-December Open Enrollment Deadline. This is particularly important for those individuals and families who don’t go through an employer for health coverage.

Buying your own health insurance?

Open Enrollment is the only time each year most individuals can purchase Affordable Care Act (ACA)1 plans and determine their eligibility for tax credit subsidies or cost-sharing reductions, which are both designed to reduce premium costs for ACA plans. The federal Open Enrollment deadline for enrolling in an ACA plan for 2020 is December 15th, 2019. Coverage selected by this deadline will go into effect on January 1st, 2020.

State-run Marketplaces Deadlines may vary:

  • California – January 15, 2020
  • Colorado – January 15, 2020
  • Massachusetts – January 23, 2020
  • Washington DC – January 31, 2020
  • Rhode Island – December 31, 2019
  • New York – January 31, 2020

Please note: if selecting a plan after December 15th in the above-referenced states, your plan’s start date may be February 1st or March 1st, 2020. Idaho is also considering extending to December 16th.

What to consider when purchasing a health plan?

When buying health coverage many factors come into play that will determine which plans best fit your needs.

  • Your health history and how often you use health care services
  • Your health needs and preferences
  • The coverage offerings in your area. Carrier availability varies by state and even county.
  • Your monthly budget for health expenses, keeping in mind monthly premiums and out-of-pocket costs for services used throughout the year.
  • Knowing insurance terms can help you better understand how plans and prices work and piece together the best plan for your health and financial needs

Consider speaking to a health insurance agent to help you make a confident decision.

Insurance Agents are experts on insurance and use their knowledge to find plans that serve your best interest, acting as a personal advisor on insurance matters. We’ve compiled a few reasons why working with an agent can be a smooth, knowledgeable and helpful experience as you determine which health plan to go with for the 2020 coverage year.

Speak to a licensed agent to:

  • Get information on products in your area
  • See what health insurance fits your budget
  • Learn what coverage could best fit your needs
  • Ask questions
  • Get an understanding of your insurance options
  • Enroll in coverage with the assistance of a licensed expert


Through VelaPoint, you have exclusive access to a free health and supplemental insurance shopping service, staffed by licensed insurance experts in all 50 states. By guiding you with needs-analysis questions and plan information in your area, you are empowered to see your options clearly and make an educated decision for your 2020 coverage. Call 855-548-0727 to speak to a licensed agent for a needs analysis, see what coverage options are available in your area and to enroll in 2020 health insurance.

1ACA = Short for the “Affordable Care Act.” ACA health insurance plans meet the minimum essential coverage requirements and cover pre-existing conditions as well as the 10 essential health benefits (e.g. maternity care, mental health, preventative care, prescription drugs, and more). ACA plans also offer subsidies and premium tax credits to eligible individuals based on income. These subsidies and credits are designed to lower your ACA plan’s monthly premium. Individuals may only enroll in ACA coverage during the annual Open Enrollment Period (November 1st – December 15th) unless they have a Qualifying Life Event. Visit for more information.
2Short Term Medical (STM) and other ACA-alternative plans are medically underwritten and are not required to meet the minimum essential coverage requirements or provide the 10 essential health benefits as mandated by the ACA. This means that non-ACA plans may not cover certain types of services, including but not limited to: maternity care, mental health, preventative care, and prescription drugs. Non-ACA plans are also not required to cover pre-existing conditions. STM plans vary per state. Consult with a licensed agent for details.