Open Enrollment for individual health plans extends from November 1, 2020 to December 15, 2020 for coverage beginning January 1, 2021. Whether you’re currently covered or trying to enroll for the first time, here are a few tips for evaluating your health insurance options.

 

Navigating 2021 Open Enrollment for Health Insurance

Why Should You Re-Examine Your Health Insurance Options Every Year?

Even if you are now on a health insurance plan, it’s worth investigating different insurance plans and providers every year during Open Enrollment. You may find that, due to changing marketplace regulations, your current plan’s terms have changed, making it more expensive. Alternatively, new providers may have been added to your area offering more appropriate coverage for your needs.  If you have a current individual plan with New Mexico Health Connections, it is critical that you choose a new plan for 2021 during Open Enrollment.

 

How Can I Apply for Health Insurance?

It is possible to explore health insurance plans on your own, but the process can be baffling and time-consuming.  If you’d prefer to explore your options in depth, it is much more efficient to work with a trusted insurance agent. They are aware of current marketplace practices and coverage terms and can introduce you to plans that fit your specific needs and price range.  Dawna Walters is the Life and Health Specialist here at Western States Don't Miss DeadlineInsurance.  Call Dawna at 575-308-0441 or come see us at Western States Insurance 212 N. Love St. in Lovington.  Walk-ins are welcome, but appointments will be seen first.  Call Dawna now to make an appointment.  If you have COVID-19 concerns, your application can be done over the phone.  If you feel sick, please do not visit our office.

 

What Happens If I Miss the Open Enrollment Deadline?

When Open Enrollment ends on December 15, 2020, you will no longer be able to apply for coverage for the 2021 period.  Now is the time to act if you wish to change your existing plan or enroll in a new plan.  Only certain individuals—such as those who move out-of-state, lose a job, get married, or have a baby—can qualify for the Special Enrollment period starting January 1, 2021.

 

If you’re looking to optimize your healthcare in 2021, Western States Insurance Group can help you explore a variety of plans for your needs in a simple and stress-free fashion. Representing a diverse group of providers, this agency will connect you to dependable and affordable health insurance plans for New Mexico residents.  In addition to health plans, they provide auto, home, and life insurance quotes to individuals throughout Lovington and Lea County.  You can learn more about these options online or by calling a friendly agent at (575) 396-1318.  Follow Western States Insurance on Facebook to get the latest news and updates on Open Enrollment.