When is health insurance open enrollment 2025: Key Dates and How to Get Help

2025 ACA Marketplace Open Enrollment: Key Dates and How to Get Help

Are you ready for the 2025 ACA Marketplace health insurance open enrollment period? As your local health insurance agent in Utah, we're here to ensure you get the coverage you need. Let's dive into the essential details, key dates, and how Utah Avenue Insurance can assist you at no cost.

Key Dates for 2025 Open Enrollment

Mark your calendars! The open enrollment period for 2025 ACA Marketplace health insurance runs from **November 1, 2024, to January 15, 2025**. These dates are crucial for anyone looking to secure or change their health insurance plans through [healthcare.gov](https://www.healthcare.gov). Here’s a quick breakdown:

- **November 1, 2024**: Open enrollment begins. This is your first day to apply for new coverage, renew your current plan, or make changes.

- **December 15, 2024**: Deadline to enroll for coverage starting January 1, 2025.

- **January 15, 2025**: Last day to enroll for 2025 coverage without a special exception like losing your employer coverage.

Why You Need to Enroll

Having health insurance is not just about complying with legal requirements—it's about protecting your health and financial well-being. Here are a few reasons why you need to enroll during this period:

1. **Avoid Penalties**: Although the individual mandate penalty has been reduced to zero federally, some states have their own penalties for not having insurance. If you don't renew your plan and let it auto renew, you may be getting the wrong amount of subsidies in 2025. This means that you could have a tax penalty when you file your 2025 tax return.

2. **Access to Subsidies**: Most individuals and families qualify for subsidies that lower monthly premiums and out-of-pocket costs. You might be surprised at the financial assistance available. More than half of our clients at Utah Avenue pay less than $100 per month for their whole family.

3. **Comprehensive Coverage**: Marketplace insurance plans cover essential health benefits like emergency services, prescription drugs, mental health care, and preventive services. Don't pay out of pocket for these services that usually have a no or low copay.

4. **Peace of Mind**: Knowing you're covered in case of unexpected illness or injury is invaluable.

How a Local Agent at Utah Avenue Insurance Can Help

Navigating the complexities of the ACA Marketplace can be daunting, but you don't have to do it alone. At Utah Avenue Insurance, our local health insurance agents are ready to guide you through the process. We study the dozens of plan options in Utah and help you decide which is the best fit for your family. Your local agent can ensure that your doctors, medications and health needs are covered at the lowest cost for you. Here's how we can help:

- **Personalized Assistance**: We'll assess your unique needs and help you find a plan that fits your budget and coverage requirements. We can go over any new doctors, medications or upcoming surgeries you may have scheduled for 2025 and ensure that you have coverage for those needs. The costs of these services can be reviewed so you don't have any unexpected costs in 2025.

- **Expert Knowledge**: Our agents are well-versed in the latest changes and updates to ACA regulations and can explain how they impact you. This ensures that you are not overpaying for your health insurance and avoid tax penalties at the end of the year. Our local agents will do all the research for you so you don't have to navigate the many formularies, networks and health care costs.

- **No Cost to You**: Our services are free of charge. We are here to make the process as smooth as possible, without any added expenses. Whether you choose to enroll on a plan yourself, or let one of our agents help you, the cost of your health insurance is the same. But with our help, we ensure that you are getting all the subsidies you are entitled to.

Contact Us Today

Don't wait until the last minute. Contact a local health insurance agent at Utah Avenue Insurance today to get started on your 2025 health insurance enrollment. Whether you need help understanding your options on the marketplace or have questions about marketplace insurance, we are here to assist.

Visit us at Utah Avenue Insurance or call us to schedule an appointment. Your health and well-being are our top priorities, and we’re committed to helping you find the best health insurance in Utah.

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Ready to enroll? We’re ready to help! Contact Utah Avenue Insurance today and ensure your 2025 health coverage is in place. Remember, open enrollment ends on January 15, 2025—don't miss out!