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Nothing about health is set in stone, including insurance needs. So, what happens if you have enrolled in a health plan and later realized that your needs or the needs of your family have changed? No worries, things are always changing! Here’s what you need to know about changing your health insurance plan.
How can you change your health insurance plan?There are two periods of time when you can change your health insurance plan. These two periods are called open enrollment and special enrollment.
Check out the list of qualifying life events.
How did you enroll in your health insurance plan?Ready for another layer to this beautiful layer cake of changing insurance plans. Another little morsel to remember to change your health insurance plan is how you enrolled. Did you enroll through your employer, on the Health Insurance Marketplace or directly with Blue Cross and Blue Shield of New Mexico (BCBSNM)? If you enrolled through the Health Insurance Marketplace or directly with BCBSNM you have an individual or family plan. Open enrollment for individual and family plans is Nov. 1 through Dec. 15, however if you’ve experienced a qualifying life event you may be able to change your health insurance plan during the special enrollment period.
Finally, if you enrolled through your employer, that’s called a group plan or group coverage. Group plans set their own schedule for open enrollment and special enrollment. To change your health insurance plan, you’ll have to call your company’s human resource department or the number on the back of your member ID card for specific open enrollment and special enrollment details.
In a nutshell, you won’t be able to change your health insurance plan unless you’re in an open enrollment period or you’ve experienced a qualifying life event outside of the open enrollment period.
Review the special enrollment qualifications, answer a few questions and start shopping for your new plan.
What is changing in YOUR life? Tell us about it in the comments!
Originally published October 24, 2017; Revised 2018
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