The Annual Enrollment Trap (and How to Avoid It)
Don’t get rushed into the wrong plan — know your move before the deadline hits.
Open Enrollment hits every fall like clockwork — and suddenly, people are scrambling to pick a plan, check a box, and hope for the best. It’s like tax season for health insurance: last-minute, stressful, and usually rushed.
But here’s the thing — rushing your decision can lock you into a plan that doesn’t fit for the entire year. That’s the trap. Here’s how to avoid it:
1. Start Early
Most people wait until the last week of Open Enrollment. Beat the rush by starting early, comparing options, and asking questions while there’s still time to think clearly.
2. Don’t Default to Last Year’s Plan
Just because your old plan is still available doesn’t mean it’s still your best option. Premiums go up, coverage shifts, networks change. Re-evaluate like it’s your first time.
3. Talk to Someone (Who Isn’t Trying to Sell You Something)
If you're relying on ads, random call center agents, or a friend-of-a-friend, you might miss better options. Work with someone who’s actually there to help you understand what’s changed and what’s best for you.
4. Know the Deadline (and What Happens If You Miss It)
For most people, Open Enrollment runs from November 1 to January 15. Miss that window and you're stuck unless you qualify for a Special Enrollment Period.
5. Plan for the Year Ahead, Not Just the Month Ahead
A low premium might look nice now, but if you know you’ve got a surgery or a baby coming, it might not be the smartest long-term move. Look at the big picture, not just the price tag.
The bottom line:Annual Enrollment isn’t just about choosing a plan — it’s about avoiding a year of frustration. Start early, ask questions, and make sure you’re set up for the life you actually live.
Need help making the right call? That’s literally why Wolfe Health exists.
