There are two ways to obtain health insurance. One way is to get a subsidy from the government marketplace. The other is from private health plans, without a subsidy from the government.

There are specific enrollment timelines that must be adhered to when purchasing your health insurance. They are:

1. Annual Election Period (AEP): November 15th to February 15th. During this enrollment period a person can make changes to their health plan choice for the next plan year. At this time of the year you are allowed to investigate other options to your existing health insurance.

2. Special Election Period (SEP): February 16th to November 14th. During this election period a person can only make changes to their existing health plan due to specific reasons. These reasons include but are not limited to:

  • involuntary loss of existing coverage
  • birth/adoption of a child
  • marriage
  • divorce
  • change in residency
  • prior to electing COBRA coverage. (If COBRA has been elected you will be unable to cancel the policy unless it is during the annual election period.)

3. Private Insurance Short Term Plans: January 1st to December 31st. These plans can be purchased anytime during the year. They are not ACA compliant plans; however, these plans can provide you with health insurance for a limited time period at a low cost. Below is a video that explains these plans.

UHC Video

No matter what your needs are for you and your family, RDW Insurance Services is here to help you make the right decision. Contact us.


Anthem BlueCross BlueShieldHumana logoWPS