Q. If I don’t make modifications to my plan and simply let it auto-renew for January, am I caught with it for the remainder of the yr?

The Insider’s Information to Obamacare’s Open Enrollment gives time-saving methods for choosing protection throughout open enrollment. (Click on the picture for a free obtain.)

A. No, however that may change in a couple of years.

Open enrollment for 2017 protection begins on November 1, 2016, and continues till January 31, 2017; you’ll be able to enroll in a brand new plan at any time till then. This may also be the case for 2018 protection, with open enrollment persevering with by means of January. The November to January schedule is identical one which was used for 2016 protection as nicely.

Beginning with 2019 protection, nevertheless, open enrollment will finish in mid-December, which suggests it’ll not be potential to make modifications after the beginning of the yr

For 2017, there’ll doubtless be many individuals who auto-renew after which discover out in January that their after-subsidy premium has modified greater than they anticipated it to. There may also be individuals who discover themselves auto-renewed into an identical – however not the identical – plan from their service, because of their 2016 plan being changed with a brand new plan for 2017.

Learn extra about why it’s essential to buy round and why auto-renewal in all probability is just not your greatest guess.

Going ahead  – for 2017 and 2018 solely – in case you discover that you simply’re not pleased together with your plan in January, you possibly can store for a brand new one at that time, so long as you full your enrollment by January 31. Your new coverage’s efficient date might be based mostly on the rules in your state.

In most states, you want to apply by the fifteenth of the month to have protection efficient the primary of the next month. (There are three states with later deadlines.) So in the event you enroll in a brand new plan on January twenty fifth, your new protection can be efficient March 1, and for January and February, you’d proceed to have protection underneath the plan that was auto-renewed.

However after January 31, the one approach you’ll be capable of change plans in 2017 or 2018 is in case you have a qualifying occasion. So don’t wait too lengthy to buy round.

And beginning with 2019 protection, open enrollment will finish December 15 of the prior yr. So December 15, 2018 would be the final day to enroll in a plan for 2019 and not using a qualifying occasion.