By SPEAKIN’ OUT NEWS Staff
It’s that time of year again — open enrollment season. Beginning November 1, millions of Americans can review, renew, or change their health insurance coverage. Whether you’re an employee, freelancer, or small business owner, understanding your choices now can save you money, stress, and unexpected bills later.
What Is Open Enrollment?
Open enrollment is the annual window when you can sign up for, switch, or update your health insurance plan — even if you haven’t had a qualifying life event such as marriage, childbirth, or job loss. For most people, open enrollment runs from November 1, 2025, through January 15, 2026, though some employers may have shorter deadlines.
For Employees
If your job provides benefits, review your options carefully. Check for changes in premiums, deductibles, and co-pays, especially for prescriptions or specialist visits. Don’t assume your current plan is still the best deal.
Compare plan types:
- PPOs offer more flexibility but higher premiums.
- HMOs have lower costs but require in-network care and referrals.
- High Deductible Health Plans (HDHPs) pair well with Health Savings Accounts (HSAs) for tax-free savings on medical expenses.
Also consider adding vision, dental, disability, or life insurance for full protection.
For Freelancers and 1099 Workers
If you work independently, visit HealthCare.gov or your state marketplace to compare plans. Based on your income, you may qualify for premium tax credits to lower monthly costs.
High-deductible plan holders can open an HSA, which allows tax-free contributions that roll over year to year. You can also explore affordable group options through organizations like the Freelancers Union or National Association for the Self-Employed (NASE).
For Entrepreneurs and Small Business Owners
Small businesses with up to 50 employees can purchase coverage through the Small Business Health Options Program (SHOP), possibly qualifying for tax credits.
Newer programs, like the Individual Coverage Health Reimbursement Arrangement (ICHRA), allow employers to reimburse workers for individual coverage, offering flexibility for startups and growing companies.
Key Deadlines
- November 1, 2025: Open enrollment begins
- December 15, 2025: Last day for coverage starting Jan. 1, 2026
- January 15, 2026: Open enrollment ends
Bottom Line:
Health insurance is about more than coverage — it’s peace of mind. Review your plan early, ask questions, and make sure your coverage truly fits your health, family, and financial needs.