ACA individual & family plan enrollment details
Important enrollment dates
Mark your calendar!
November 1*
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*
Open Enrollment ends
Be sure to choose a plan by this date so you’re covered on January 1.
January 1*
Plan coverage begins
Simply make your first payment to activate your plan and access all your membership benefits.
Making insurance easier
The top insurance terms you’ll want to know
Insurance isn’t all that complicated. It just feels that way at first. Let’s figure it out together. Here are simple definitions for common 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 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 plan's network, you get lower rates.
Out-of-pocket maximum
This is a a cap on plan costs. Once you’ve 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 for a specific health service.
Big life change or one coming up?
Notes
*FOR COVERAGE ON A PARENT’S PLAN: Your dependent child may continue coverage if your child is disabled, or in school and on a leave of absence.
*FOR $0 PLAN PREMIUM: Exclusions and limitations 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.
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