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Thinking about switching your health insurance plan during the open enrollment period for 2025? It’s a great time to make sure your coverage meets your needs, and it can help you save money or find better benefits. Here’s what you need to know, plus a handy checklist to guide you through the process.
Why Switch Plans?
Maybe your health needs have changed, or you're looking for lower premiums or better coverage. Open enrollment is the perfect time to explore new options and switch to a plan that works better for you in 2025.
When Can You Switch?
The open enrollment period for 2025 runs from November 1, 2024, to January 15, 2025. This is your opportunity to switch plans, and after this period, changes can only be made if you qualify for a Special Enrollment Period (like getting married, having a baby, or moving).
What to Look for in a New Plan
When switching plans, think about what’s most important for your health and budget. Do you have any ongoing health concerns? Need to keep a favorite doctor? Make sure your new plan covers what matters most.
Your Checklist for Switching Health Insurance
Review Your Current Plan
Costs: Take a look at what you’re paying for your premium and out-of-pocket expenses. Are these costs increasing next year? Is there a more affordable option available?
Coverage: Think about your upcoming healthcare needs. Does your current plan cover the treatments, prescriptions, or doctor visits you might need?
Network: Check if your preferred doctors or specialists are still in your network. If they’re no longer covered, it might be time to switch.
Explore New Plans
Compare Costs: Look at different plans to see if you can get better benefits or lower costs for 2025. Use the Marketplace or work with our local agents to help with comparisons.
Check Network Providers: Make sure your new plan includes your doctors, hospitals, and specialists.
Prescription Coverage: If you take regular medications, make sure the new plan covers them.
Check for Financial Help
Subsidies & Tax Credits: If your income has changed, you might qualify for higher subsidies, making a new plan more affordable. Double-check your eligibility when switching.
What You’ll Need to Apply
Personal Information: Make sure you have the Social Security numbers and birthdates for everyone on the plan.
Income Information: Be ready to estimate your income for 2025 using recent pay stubs or tax returns.
Current Plan Details: Have information about your current plan handy, especially if you’re switching through the Marketplace.
Submit by the Deadline
Remember, the deadline for open enrollment is January 15, 2025. Be sure to submit your application before this date to avoid any gaps in coverage.
Need Help? Work with our Local Nebraska Agents
If you're feeling unsure about what plan to choose or need help navigating your options, working with a local agent at Health & Life Insurance Pros is a great idea. Our agents can guide you through the process, compare plans, and help you find the right coverage—all at no cost to you!
Just answer a few quick questions for us. It’s fast, easy, and tailored just for you!