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ACA individual & family plan enrollment dates and details

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

You need to choose a plan by this deadline to make sure you’re covered for the next plan year.

January 1

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 

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.

Get started today and find a plan.

Great news — we’ve got plans for you through our relationship with Aetna CVS Health

That means you can sign up for ACA individual coverage through Aetna CVS Health. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on AetnaCVSHealth.com

Great news — we’ve got plans for you

Visit our simple shopping site to get coverage for 2022 and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan

We’re not in your area … yet

We’ve got plans to bring our ACA individual and family plans to more areas. For now, we want to make sure you’re covered.

Had a big life change? You can still get coverage for 2022. Visit the Health Insurance Marketplace® to shop for plans and see if you qualify for financial help.

Remember to visit the Marketplace on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on HealthCare.gov

Great news — we’ve got plans for you through our relationship with Innovation Health®

That means you can sign up for ACA individual coverage through Innovation Health®. Visit their website to check out plan features, shop 2022 plans and see if you qualify for financial help.

Remember to stop back on November 1 during Open Enrollment to choose your 2023 plan.

Find a plan on InnovationHealth.com

Sign up for updates

We’ll alert you to new information, plan availability, financial help options and more.  

Sign up now

*Need more time? You can enroll up until January 15 to be covered on February 1.

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.

Contact us

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Health benefits and health insurance plans are offered, underwritten, and/or administered by Banner Health and Aetna Health Insurance Company and/or Banner Health and Aetna Health Plan Inc. (Banner|Aetna). Banner|Aetna is an affiliate of Banner Health and of Aetna Life Insurance Company and its affiliates (Aetna). Each insurer has sole financial responsibility for its own products. Aetna and Banner Health provide certain management services to Banner|Aetna.  Aetna and CVS Pharmacy® are part of the CVS Health family of companies. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are both within the CVS Health family.

Access to the 98point6 application is included in all Banner|Aetna ACA individual & family plans. 98point6 is not available in all Banner|Aetna plans offered through employers. 98point6 is a registered trademark of 98point6 inc.

This material is for information only and is not an offer or invitation to contract. Providers are independent contractors and are not agents of Banner l Aetna. Provider participation may change without notice. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change.

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