When Can I Enroll in Health Insurance?

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Changes on when you buy

Want to know more about the health reform law and what it means for people without employer-based health insurance? We’ll walk you through the basics of how the Affordable Care Act (ACA) has changed the health insurance industry when it comes to the buying process.

Changes WHAT you buy.
Changes HOW you buy.
Changes WHEN you buy.

Open enrollment

In most states, there will be one open enrollment period per year when people who want major medical insurance are guaranteed to have their application approved.

November 1, 2019: Open enrollment begins for 2020 major medical insurance plans. During the open enrollment period, our insurance agents will help you shop, customize, and enroll into health insurance either on or off the government exchanges.
January 1, 2020: First date 2020 major medical coverage can start.
December 15, 2019: Last day of the 2020 open enrollment period. If you don’t enroll by December 15, 2019, you can’t enroll in a health insurance plan for 2020 unless you qualify for a Special Enrollment Period (SEP).

Special enrollment periods

Under the Affordable Care Act (ACA), you typically cannot get major medical health coverage without a qualifying life event. A qualifying life event triggers a 60-day “special enrollment period” that will allow you to apply for a plan and guarantee your application is approved.

Testimonials

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"I work as a lender and my staff sees a lot of homeowners insurance policies. When my personal homeowners policy went through the system from the purchase of my home, my staff said its the lowest premium they had ever seen. Not to mention they got it within minutes.. Highly recommend Jared at Hill Insurance."
Clair Semrad

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"I love it that every time we come in Jared makes the insurance process so much easier than it would be on our own! He explains everything so clearly and helps us save money! Totally recommend anyone that has any insurance needs to come see him, he's awesome!"
Denise Rivera

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"Jared is awesome and super easy to work with I recommend hill insurance to everyone. Insurance is a nightmare but he makes it easy."
Jared Obrien

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"I've been working with Jared Richards for close to 15 years that should say enough... They have been outstanding to work with. Anytime I have any questions they're always there to answer for me I will continue to use them for a long time if I can give them a 10 star rating I would."
Jared Clingo

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"I want to compliment Cory at Hill Insurance, on my meeting with her on March 1st. She was extremely helpful and patient with all my questions. It was very obvious she wanted to give us the best rates/discounts possible, plus she made sure I understood everything. A JOB WELL DONE! A 10 star employee! Great place to shop home and auto insurance as well as any and all commercial needs!"
Chelsea Ricks

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"Jared takes the time to listen to his clients and watch out for their best interest. I've seen him help his clients really make an educated choice about what insurance plan they need and then walking them through the process when they experience damages. A super straight agency."
Steve P.

Get Customized Insurance

Insurance can be complicated. Have one of our experts to help you. If business hours (9:00 am to 5:00 pm, Monday to Friday), call us to our office phone number (801) 226-0606 and talk to an insurance expert. For after hours, please fill the form and we will contact you as soon as possible.