Open enrollment is a crucial time for individuals and families to review their health insurance options and make important decisions for the year ahead. At Churchill Insurance, we understand that navigating health plans can feel overwhelming, but our team is here to help you make confident, informed choices.
Understanding Open Enrollment in California
Open enrollment is the annual period when you can enroll in, renew, or make changes to your health insurance coverage. For most Californians, this window typically runs from November to January, but exact dates may vary from year to year. Missing this period may mean waiting until the next open enrollment, unless you qualify for a special enrollment due to life events such as marriage or job loss.
Key Considerations Before Choosing a Health Plan
Selecting the right health insurance plan involves more than just comparing premiums. Here are some important factors to keep in mind:
- Coverage needs—Consider your family’s medical needs, including regular prescriptions, ongoing treatments or planned procedures.
- Provider networks—Check if your preferred doctors, specialists and hospitals are included in the plan’s network.
- Costs beyond premiums—Review deductibles, copayments, coinsurance and out-of-pocket maximums to understand your total potential costs.
- Plan types—California offers a range of plans, such as HMOs, PPOs and EPOs. Each has different rules for accessing care and seeing specialists.
- Prescription Coverage—Make sure your medications are covered and compare costs across plans.
How Our Team Can Help
At Churchill Insurance, we’re committed to helping California residents find health insurance that fits their needs and budget. Our experienced team can guide you through your options, explain plan details and answer your questions, so you can make the best decision for yourself and your family. Contact us today to speak with one of our knowledgeable agents.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.