Mark your calendar!
November 1, 2023
Open Enrollment starts
This is the time to explore ACA plans, see if your doctors are in network and apply for financial help.
December 15, 2023
Open Enrollment ends
Be sure to choose a plan by this date so you’re covered on January 1. Need more time? You can enroll up until January 15 to be covered on February 1.
January 1, 2024
Plan coverage begins
Just make your first payment to activate your plan and access all your membership benefits.
Can I get coverage after Open Enrollment?
Yes! You may qualify for a Special Enrollment Period if you’ve had a big life change or one coming up. Some examples:
- You’ve lost your health plan
- You’re getting married
- You’re having a baby
- You’re moving to a new state
These qualifying life events — and others — let you sign up for a health plan outside the ACA Open Enrollment Period.
Life changes that qualify you for special enrollment
At risk of losing Medicaid coverage? We’re here to help.
You may qualify for a no or low-cost Banner|Aetna plan. You may be able to get a subsidy. This can greatly lower your monthly premium or even give you a $0 premium.* Enter your ZIP code to explore plan options.
Get started today and find a plan.
The top insurance terms you’ll want to know
Insurance isn’t all that complicated. It just feels that way at first. Let’s go over the top terms you might see during enrollment.
Coinsurance
This is a percentage that you pay after you’ve met your deductible. For example, if your plan covers 80% of the cost for physical therapy, you will pay 20%.
Copay
This is a fixed amount that you typically pay at the time you get care. For example, you might pay $40 when you see your doctor.
Deductible
This is the amount you pay before your health plan starts to pay for some or all of your costs.
Network
This is a group of providers — like doctors and clinics — that have a contract with a health plan. When you see a provider in your health plan’s network you get special, lower rates.
Out-of-pocket maximum
This is a cap on your plan costs. Once you have paid this amount through deductibles, copays and coinsurance, your plan pays 100% of all covered costs for the rest of the plan year.
Referral
This is an authorization from your doctor, written on paper or sent electronically, to see another doctor or for a specific health service.
Sign up for updates
We’ll alert you to new information, plan availability, financial help options and more.
*Exclusions and limitations may apply
Transforming health care, together
Banner|Aetna aims to offer access to more efficient and effective member care at a more affordable cost. We join the right medical professionals with the right technology, so members benefit from quality, personalized health care designed to help them reach their health ambitions.
